PaymentRetryAlertMerchant Advice Code 28: retry after 6 days
What merchant advice code 28 means
The issuer expects funds within six days.
Should you retry?
Wait six days, 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 28 a soft or hard decline?
Soft decline (retryable). The issuer expects funds within six days.
Should I retry a payment that failed with merchant advice code 28?
Wait six days, then retry once.
Other Merchant Advice Codes
24Retry after 1 hour25Retry after 24 hours26Retry after 2 days27Retry after 4 days29Retry after 8 days30Retry after 10 days40Consumer non-reloadable prepaid card41Consumer single-use virtual card number- 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.