PaymentRetryAlertMerchant Advice Code 22: merchant does not qualify for product code
What merchant advice code 22 means
The card product cannot be used with this merchant category.
Should you retry?
Do not retry. Request another payment method.
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 22 a soft or hard decline?
Hard decline (do not retry). The card product cannot be used with this merchant category.
Should I retry a payment that failed with merchant advice code 22?
Do not retry. Request another payment method.
Other Merchant Advice Codes
02Cannot approve at this time, try again later03Do not try again04Token requirements not fulfilled for this token type21Recurring payment cancelled (stop billing)24Retry after 1 hour25Retry after 24 hours26Retry after 2 days27Retry after 4 days- All decline codes
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