Merchant Advice Code 01: new account information available

What merchant advice code 01 means

The issuer has updated card details on file (new number or expiry). The stored credential you used is stale.

Should you retry?

Query the Mastercard Automatic Billing Updater (or your processor's account updater) before retrying. Retrying with the old details will keep failing.

Frequently asked questions

Is merchant advice code 01 a soft or hard decline?

Informational. The issuer has updated card details on file (new number or expiry). The stored credential you used is stale.

Should I retry a payment that failed with merchant advice code 01?

Query the Mastercard Automatic Billing Updater (or your processor's account updater) before retrying. Retrying with the old details will keep failing.

Other Merchant Advice Codes

• 30 Retry after 10 days
• 40 Consumer non-reloadable prepaid card
• 41 Consumer single-use virtual card number
• 42 Consumer multi-use virtual card number
• 02 Cannot approve at this time, try again later
• 03 Do not try again
• 04 Token requirements not fulfilled for this token type
• 21 Recurring payment cancelled (stop billing)
• All decline codes

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