M
Mastercard Merchant Advice CodesMastercard 01
New Account Information Available
Soft Decline
Temporary failures that may succeed on retry
Retryable
This decline may succeed on retry
Description
Updated or additional cardholder information is available. The card may be expired or the account details have changed. Authentication may improve the likelihood of approval.
Recommended Action
Request updated card details from the customer via Account Updater or dunning. Authentication (3DS) may also improve approval odds.
Common Causes
- Card has expired and a new card was issued
- Account details updated at the issuer
- Missing or incomplete authentication
Recovery Tips
- Use Account Updater to fetch new card credentials automatically
- Send a dunning email asking the customer to update their payment method
- Retry with 3D Secure authentication enabled
Quick Reference
Code
01
Category
Soft Decline
Retryable
Yes
Source
Mastercard
Related Decline Codes
02Retryable
Try Again Later
The transaction could not be completed at this time. This may be due to exceeding a credit limit, insufficient funds, or issuer-side velocity or risk rules.
04Retryable
Token Requirements Not Fulfilled
Token requirements have not been met for this token type. Do not retry with the current card data.
24Retryable
Retry After 1 Hour
Insufficient funds. Retry the transaction after at least one hour.
25Retryable
Retry After 24 Hours
Insufficient funds. Retry the transaction after at least 24 hours.
Mastercard 01 recovery
Recover more payments like Mastercard 01
Slicker handles codes like 01 by combining decline reason, issuer behavior, BIN data, and timing signals to choose the next best recovery action.
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