V
Visa Network Response CodesVisa 07
Pick Up Card (Fraud)
Fraud/Security
Suspected fraudulent activity or security blocks
Do Not Retry
Retry will not succeed
Description
The issuing bank requests that the card be captured due to suspected fraud on the account. No reattempts are permitted.
Recommended Action
Do not retry. Flag this transaction for your fraud review team.
Common Causes
- Card confirmed as stolen
- Fraudulent activity detected on the account
- Account flagged for fraud by the issuing bank
Recovery Tips
- Do not reattempt this transaction
- Request an alternative payment method
- Review the customer account for potential fraud indicators
Quick Reference
Code
07
Category
Fraud/Security
Retryable
No
Source
Visa
Related Decline Codes
04Non-Retryable
Pick Up Card
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.
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 07 recovery
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Slicker handles codes like 07 by combining decline reason, issuer behavior, BIN data, and timing signals to choose the next best recovery action.
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