PaymentRetryAlertDecline code 79: life cycle
What decline code 79 means
Mastercard-specific grouping: the decline relates to the card's life cycle, for example an expired, closed or replaced account. Typically accompanied by Merchant Advice Code 01.
Should you retry?
Do not retry with the same credentials. Query the account updater for replacement card details.
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
- Mastercard Merchant Advice Code:
01New account information available
Frequently asked questions
Is decline code 79 a soft or hard decline?
Hard decline (do not retry). Mastercard-specific grouping: the decline relates to the card's life cycle, for example an expired, closed or replaced account. Typically accompanied by Merchant Advice Code 01.
Should I retry a payment that failed with decline code 79?
Do not retry with the same credentials. Query the account updater for replacement card details.
Other response codes
62Restricted card63Security violation70Contact card issuer75Allowable number of PIN tries exceeded82Policy83Fraud / security85Not declined (verification only)91Issuer or switch inoperative- All decline codes
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