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Mastercard Merchant Advice CodesMastercard 41
Single-Use Virtual 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 single-use virtual card number that has already been used.
Recommended Action
Do not retry. The virtual card number is no longer valid. Request a new payment method.
Common Causes
- Single-use virtual card number already redeemed
- Virtual card generated for a one-time purchase
Recovery Tips
- Request an alternative or persistent payment method
- Inform the customer that single-use cards cannot be used for recurring payments
Quick Reference
Code
41
Category
Hard Decline
Retryable
No
Source
Mastercard
Recoverability verdict
Retrying 41 will not work
This is a hard decline. Retrying code 41 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.
40Non-Retryable
Non-Reloadable Prepaid Card
The issuer has identified this card as a consumer non-reloadable prepaid card. The remaining balance may be insufficient and cannot be replenished.
42Non-Retryable
Sanction Score Exceeds Threshold
The Sanctions Scoring Service identified that this payment exceeded the applicable sanction threshold. Do not retry.