M
Mastercard Merchant Advice CodesMastercard 28
Retry After 6 Days
Soft Decline
Temporary failures that may succeed on retry
Retryable
This decline may succeed on retry
Description
Insufficient funds. Retry the transaction after at least 6 days.
Recommended Action
Wait at least 6 days before retrying the transaction.
Common Causes
- Insufficient funds — cardholder may need time until next pay cycle
Recovery Tips
- Schedule a retry after 6 days
- Send a dunning notification in the interim
Quick Reference
Code
28
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.
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.
Mastercard 28 recovery
Recover more payments like Mastercard 28
Slicker handles codes like 28 by combining decline reason, issuer behavior, BIN data, and timing signals to choose the next best recovery action.
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