M
Mastercard Merchant Advice CodesMastercard 40
Non-Reloadable Prepaid Card
Hard Decline
Permanent failures that should not be retried
Do Not Retry
Retry will not succeed
Description
The issuer has identified this card as a consumer non-reloadable prepaid card. The remaining balance may be insufficient and cannot be replenished.
Recommended Action
Do not retry. Request an alternative payment method from the customer.
Common Causes
- Non-reloadable prepaid card with insufficient balance
- Card is a gift card that cannot be topped up
Recovery Tips
- Request a different payment method from the cardholder
- Inform the customer that prepaid cards may not support recurring payments
Quick Reference
Code
40
Category
Hard Decline
Retryable
No
Source
Mastercard
Recoverability verdict
Retrying 40 will not work
This is a hard decline. Retrying code 40 will not recover the payment. But most merchants seeing this code also have soft declines they are not recovering. Check what your retry strategy is leaving behind.
Related Decline Codes
03Non-Retryable
Do Not Try Again
The transaction should not be retried. The account may be closed, suspected of fraud, or the cardholder has cancelled the recurring agreement.
21Non-Retryable
Payment Cancellation
The cardholder has cancelled this payment. This transaction cannot be reprocessed.
41Non-Retryable
Single-Use Virtual Card
The issuer has identified this card as a consumer single-use virtual card number that has already been used.
42Non-Retryable
Sanction Score Exceeds Threshold
The Sanctions Scoring Service identified that this payment exceeded the applicable sanction threshold. Do not retry.