PaymentRetryAlertMerchant Advice Code 40: consumer non-reloadable prepaid card
What merchant advice code 40 means
The card is a single-load prepaid product. Once the balance is spent it will never have funds again.
Should you retry?
Do not retry on insufficient funds. Ask for a different 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 40 a soft or hard decline?
Hard decline (do not retry). The card is a single-load prepaid product. Once the balance is spent it will never have funds again.
Should I retry a payment that failed with merchant advice code 40?
Do not retry on insufficient funds. Ask for a different payment method.
Other Merchant Advice Codes
27Retry after 4 days28Retry after 6 days29Retry after 8 days30Retry after 10 days41Consumer single-use virtual card number42Consumer multi-use virtual card number01New account information available02Cannot approve at this time, try again later- All decline codes
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