Pick Up Card
The issuing bank has requested that the card be confiscated. This is a serious flag indicating the card may be compromised, reported lost or stolen, or associated with confirmed fraud.
Why does code 04 occur?
- Card reported stolen by cardholder
- Confirmed fraudulent activity on the account
- Bank-initiated account closure
- Counterfeit card detected at point of sale
Can this transaction be retried?
No, code 04 is a hard decline and should not be retried. The underlying issue is permanent and the same card details will continue to be declined. Ask the customer for an alternative payment method.
What merchants should do
Do not process the transaction under any circumstances. If in-person, retain the card if safely possible and contact your payment processor. Report the incident.
What cardholders should do
Contact your bank immediately. Your card may have been reported lost or stolen, or the account may have been closed. Request a replacement card.
Code 04 at a glance
Response Code
04
Name
Pick Up Card
Category
hard decline
Retryable
No
Related Decline Codes
Pick Up Card (Special)
The card should be confiscated. This is a more severe version of code 04, typically issued when confirmed fraud has been detected or a court order mandates seizure.
Lost Card
The card has been reported as lost by the cardholder. The issuer has permanently blocked the card, and all transactions will be declined until a replacement is issued.
Stolen Card
The card has been reported as stolen. The issuer has permanently blocked the card, and all transactions will be declined. This code carries a higher fraud risk than code 41.
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Find a SWIFT codeDecline Code 04 FAQ
Frequently asked questions about decline code 04: Pick Up Card.