V
Worldpay from FIS (Vantiv)Vantiv 304
Lost/Stolen Card
Fraud/Security
Suspected fraudulent activity or security blocks
Do Not Retry
Retry will not succeed
Description
The card has been reported as lost or stolen. Do not process the transaction.
Recommended Action
Do not retry. Flag the transaction for review.
Common Causes
- Card reported lost by the cardholder
- Card reported stolen
Recovery Tips
- Do not attempt further charges on this card
- Review the customer account for unauthorized activity
- Request a new payment method
Quick Reference
Code
304
Category
Fraud/Security
Retryable
No
Source
Vantiv
Recoverability verdict
Retrying 304 will not work
This is a hard decline. Retrying code 304 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
229Non-Retryable
Illegal Transaction
The transaction would violate applicable law or regulation.
340Non-Retryable
Invalid Amount
The transaction amount is invalid — it may be too high, too low, or above the merchant's transaction limit.
555Non-Retryable
Suspected Fraud
The issuing bank declined the transaction as suspected fraud.
226Non-Retryable
Incorrect CVV
The transaction was declined because it was submitted with an incorrect security code (CVV2/CID).