PaymentRetryAlertDecline code 43: stolen card
What decline code 43 means
The cardholder has reported the card stolen.
Should you retry?
Never retry. Retrying a stolen card can attract network non-compliance fees.
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:
stolen_card
Frequently asked questions
Is decline code 43 a soft or hard decline?
Hard decline (do not retry). The cardholder has reported the card stolen.
Should I retry a payment that failed with decline code 43?
Never retry. Retrying a stolen card can attract network non-compliance fees.
Other response codes
12Invalid transaction13Invalid amount14Invalid card number41Lost card54Expired card55Incorrect PIN57Transaction not permitted to cardholder58Transaction not permitted to terminal- All decline 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.