PaymentRetryAlertMerchant Advice Code 24: retry after 1 hour
What merchant advice code 24 means
Part of the Authorization Optimizer programme: the issuer expects funds to be available within an hour. Returned with code 51 on recurring card-not-present transactions.
Should you retry?
Retry after one hour and not before. Retrying earlier wastes an attempt.
Retry on signal, not on schedule. This is one of the declines Mastercard's
Payment Optimization Platform monitors. When the network sees that a retry is more likely to
approve, PaymentRetryAlert delivers a signed RETRY_NOW webhook so you can retry
through your existing processor at the right moment. See
the full guide to insufficient-funds declines.
Frequently asked questions
Is merchant advice code 24 a soft or hard decline?
Soft decline (retryable). Part of the Authorization Optimizer programme: the issuer expects funds to be available within an hour. Returned with code 51 on recurring card-not-present transactions.
Should I retry a payment that failed with merchant advice code 24?
Retry after one hour and not before. Retrying earlier wastes an attempt.
Other Merchant Advice Codes
03Do not try again04Token requirements not fulfilled for this token type21Recurring payment cancelled (stop billing)22Merchant does not qualify for product code25Retry after 24 hours26Retry after 2 days27Retry after 4 days28Retry after 6 days- 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.