V
Visa Network Response CodesVisa 04
Pick Up Card
Hard Decline
Permanent failures that should not be retried
Do Not Retry
Retry will not succeed
Description
The issuing bank requests that the card be captured. The card is not necessarily fraudulent but the issuer does not want it used. No reattempts are permitted.
Recommended Action
Do not retry. The cardholder must contact their issuing bank for a resolution.
Common Causes
- Card reported as lost by cardholder
- Account permanently closed
- Issuer has flagged the card for pickup
Recovery Tips
- Do not reattempt this transaction
- Request an alternative payment method from the customer
- Advise the cardholder to contact their bank
Quick Reference
Code
04
Category
Hard Decline
Retryable
No
Source
Visa
Related Decline Codes
07Non-Retryable
Pick Up Card (Fraud)
The issuing bank requests that the card be captured due to suspected fraud on the account. No reattempts are permitted.
12Non-Retryable
Invalid Transaction
The transaction type is not valid or not supported for this card. The issuer will never approve this specific transaction. No reattempts are permitted.
14Non-Retryable
Invalid Account Number
The card number does not correspond to any existing account. The card may have been mistyped, or the account may no longer exist. Visa categories this as both 1 (never approve) and 3 (revalidate data).
15Non-Retryable
No Such Issuer
The card number does not route to any known issuing bank. The BIN (first 6-8 digits) is not recognized by the network. No reattempts are permitted.
Visa 04 recovery
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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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