PaymentRetryAlertMerchant Advice Code 41: consumer single-use virtual card number
What merchant advice code 41 means
A virtual card number that was valid for one transaction only.
Should you retry?
Do not retry. The number is spent.
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 41 a soft or hard decline?
Hard decline (do not retry). A virtual card number that was valid for one transaction only.
Should I retry a payment that failed with merchant advice code 41?
Do not retry. The number is spent.
Other Merchant Advice Codes
28Retry after 6 days29Retry after 8 days30Retry after 10 days40Consumer non-reloadable prepaid card42Consumer multi-use virtual card number01New account information available02Cannot approve at this time, try again later03Do not try again- All decline codes
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