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Mastercard Merchant Advice CodesMastercard 04
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- Token is no longer valid or has expired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
04
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.
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.
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 04 recovery
Recover more payments like Mastercard 04
Slicker handles codes like 04 by combining decline reason, issuer behavior, BIN data, and timing signals to choose the next best recovery action.
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