V
Visa Network Response CodesVisa 43
Stolen Card – Pick Up
Fraud/Security
Suspected fraudulent activity or security blocks
Do Not Retry
Retry will not succeed
Description
The card has been reported stolen. The issuer requests the card be captured. No reattempts are permitted.
Recommended Action
Do not retry. Flag the transaction for your fraud review team.
Common Causes
- Cardholder reported the card as stolen
- Confirmed fraudulent use of the card
Recovery Tips
- Do not reattempt this transaction
- Request an alternative payment method
- Review the customer account for fraud indicators
Quick Reference
Code
43
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.
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).
Visa 43 recovery
Recover more payments like Visa 43
Slicker handles codes like 43 by combining decline reason, issuer behavior, BIN data, and timing signals to choose the next best recovery action.
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