PaymentRetryAlertMerchant Advice Code 04: token requirements not fulfilled for this token type
What merchant advice code 04 means
A network token was used in a way that does not meet the token's requirements, for example a missing cryptogram.
Should you retry?
Fix the tokenised request with your processor before retrying.
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.
Frequently asked questions
Is merchant advice code 04 a soft or hard decline?
Hard decline (do not retry). A network token was used in a way that does not meet the token's requirements, for example a missing cryptogram.
Should I retry a payment that failed with merchant advice code 04?
Fix the tokenised request with your processor before retrying.
Other Merchant Advice Codes
42Consumer multi-use virtual card number01New account information available02Cannot approve at this time, try again later03Do not try again21Recurring payment cancelled (stop billing)22Merchant does not qualify for product code24Retry after 1 hour25Retry after 24 hours- 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.