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Mastercard / ISO 8583 response code

Decline code 41: lost card

Hard decline (do not retry)

What decline code 41 means

The cardholder has reported the card lost.

Should you retry?

Never retry. Delete the stored credential and request a replacement card. Account updater services will often return the new card automatically.

Retrying hard declines costs money. Visa limits reattempts on a card to 15 in 30 days, and Mastercard charges for attempts beyond its thresholds and for every retry after a Merchant Advice Code 03 or 21. Route this decline to account updater or customer outreach instead. See soft vs hard declines.

Equivalent codes

  • Stripe decline code: lost_card

Frequently asked questions

Is decline code 41 a soft or hard decline?

Hard decline (do not retry). The cardholder has reported the card lost.

Should I retry a payment that failed with decline code 41?

Never retry. Delete the stored credential and request a replacement card. Account updater services will often return the new card automatically.

Other response codes

Reference information for merchants. Network rules and fee schedules change; confirm current figures with your acquirer. Mastercard is a registered trademark of Mastercard International Incorporated, which does not sponsor or endorse this service.