What causes Mastercard decline code 04?

Token is no longer valid or has expired. Token was not properly provisioned for this transaction type. Network token lifecycle event requires re-tokenization.

Mastercard Merchant Advice Codes

Mastercard 04

Q: Can I retry after getting Mastercard code 04?

Yes, this is a soft decline that may succeed on retry. Ensure proper token provisioning before retrying. Re-tokenize the card or request updated payment credentials.

Token Requirements Not Fulfilled

Soft Decline

Temporary failures that may succeed on retry

Retryable

This decline may succeed on retry

Description

Token requirements have not been met for this token type. Do not retry with the current card data.

Recommended Action

Ensure proper token provisioning before retrying. Re-tokenize the card or request updated payment credentials.

Common Causes

Token is no longer valid or has expired
Token was not properly provisioned for this transaction type
Network token lifecycle event requires re-tokenization

Recovery Tips

Re-provision or refresh the network token
Request updated card details from the cardholder
Check your token service provider for lifecycle updates

Quick Reference

Code

This is a soft decline. This revenue is often recoverable.

Payments failing with code 04 are often recoverable with the right retry timing and routing. Slicker recovers up to 70% of soft declines with smart retries.

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