V
Visa Network Response CodesVisa 46
Closed Account
Hard Decline
Permanent failures that should not be retried
Do Not Retry
Retry will not succeed
Description
The account associated with the card has been closed. No reattempts are permitted.
Recommended Action
Do not retry. Request updated payment information from the cardholder.
Common Causes
- Cardholder closed their account
- Issuer closed the account due to inactivity or policy
- Account migrated to a new number
Recovery Tips
- Do not reattempt with this card
- Request new payment details from the customer
- Use account updater services to get updated card information
Quick Reference
Code
46
Category
Hard Decline
Retryable
No
Source
Visa
Recoverability verdict
Retrying 46 will not work
This is a hard decline. Retrying code 46 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).