PaymentRetryAlertMerchant Advice Code 25: retry after 24 hours
What merchant advice code 25 means
The issuer expects funds within a day.
Should you retry?
Wait 24 hours, then retry once.
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 25 a soft or hard decline?
Soft decline (retryable). The issuer expects funds within a day.
Should I retry a payment that failed with merchant advice code 25?
Wait 24 hours, then retry once.
Other Merchant Advice Codes
04Token requirements not fulfilled for this token type21Recurring payment cancelled (stop billing)22Merchant does not qualify for product code24Retry after 1 hour26Retry after 2 days27Retry after 4 days28Retry after 6 days29Retry after 8 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.