V
Visa Network Response CodesVisa 41
Lost Card – Pick Up
Fraud/Security
Suspected fraudulent activity or security blocks
Do Not Retry
Retry will not succeed
Description
The card has been reported lost by the cardholder. The issuer requests the card be captured. No reattempts are permitted.
Recommended Action
Do not retry. Flag the transaction and request an alternative payment method.
Common Causes
- Cardholder reported the card as lost
- Issuer flagged the card after a loss report
Recovery Tips
- Do not reattempt this transaction
- Request an alternative payment method
- Flag the account for review if this is an existing customer
Quick Reference
Code
41
Category
Fraud/Security
Retryable
No
Source
Visa
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
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.
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).