M
Mastercard Merchant Advice CodesMastercard 02
Try Again Later
Soft Decline
Temporary failures that may succeed on retry
Retryable
This decline may succeed on retry
Description
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.
Recommended Action
Retry the transaction after a short delay. If repeated failures occur, contact the cardholder.
Common Causes
- Insufficient funds
- Over credit limit
- Issuer-side velocity or risk rules triggered
- Temporary block on the card
Recovery Tips
- Retry after a few hours
- Use an exponential backoff retry schedule
- If retries continue to fail, notify the customer to check with their bank
Quick Reference
Code
02
Category
Soft Decline
Retryable
Yes
Source
Mastercard
Related Decline Codes
01Retryable
New Account Information Available
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.
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 02 recovery
Recover more payments like Mastercard 02
Slicker handles codes like 02 by combining decline reason, issuer behavior, BIN data, and timing signals to choose the next best recovery action.
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