A
AdyenAdyen 41
CVM Required Restart Payment
Soft Decline
Temporary failures that may succeed on retry
Retryable
This decline may succeed on retry
Description
A PIN or signature is required to complete the transaction.
Recommended Action
Retry the transaction with proper cardholder verification (PIN or signature).
Common Causes
- Cardholder verification method not performed
- Transaction requires step-up authentication at terminal
Recovery Tips
- Ensure the terminal supports the required CVM
Quick Reference
Code
41
Category
Soft Decline
Retryable
Yes
Source
Adyen
Related Decline Codes
2Retryable
Refused
The transaction was refused by the issuer without additional information.
3Retryable
Referral
The issuer requires a referral — typically a voice authorisation or manual review.
4Retryable
Acquirer Error
The transaction did not go through due to an error on the acquirer's end.
7Retryable
Invalid Amount
An amount mismatch occurred during the transaction process.
Adyen 41 recovery
Recover more payments like Adyen 41
Slicker handles codes like 41 by combining decline reason, issuer behavior, BIN data, and timing signals to choose the next best recovery action.
Analyze this in our payment data