B
Braintree (PayPal)Braintree 2046
Declined
Soft Decline
Temporary failures that may succeed on retry
Retryable
This decline may succeed on retry
Description
The customer's bank is unwilling to accept the transaction. For card payments contact your bank, for PayPal transactions contact PayPal Support, and for Venmo transactions contact Venmo Support.
Recommended Action
Ask the customer to contact their bank, PayPal, or Venmo depending on the payment method.
Common Causes
- Generic decline from bank or payment provider
Recovery Tips
- Visa: Category 2, limit retries to 15 attempts over a rolling 30-day period
- Retry after 24-48 hours
Quick Reference
Code
2046
Category
Soft Decline
Retryable
Yes
Source
Braintree
Recoverability verdict
This is a soft decline. This revenue is often recoverable.
Payments failing with code 2046 are often recoverable with the right retry timing and routing. Slicker recovers up to 70% of soft declines with smart retries.
Related Decline Codes
2000Retryable
Do Not Honor
The customer's bank is unwilling to accept the transaction. The customer will need to contact their bank for more details regarding this generic decline.
2001Retryable
Insufficient Funds
The account did not have sufficient funds to cover the transaction amount at the time of the transaction — subsequent attempts at a later date may be successful.
2002Retryable
Limit Exceeded
The attempted transaction exceeds the withdrawal limit of the account. The customer will need to contact their bank to change the account limits or use a different payment method.
2003Retryable
Cardholder's Activity Limit Exceeded
The attempted transaction exceeds the activity limit of the account. The customer will need to contact their bank to change the account limits or use a different payment method.