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.
Why does code 07 occur?
- Confirmed fraud with evidence
- Counterfeit card detected by chip or magnetic stripe analysis
- Court-ordered card seizure
- Account flagged by law enforcement
Can this transaction be retried?
No, code 07 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. Retain the card if safely possible in a face-to-face scenario. Contact your payment processor and report the incident immediately.
What cardholders should do
Contact your bank immediately. This flag indicates a serious issue with your account that requires urgent attention.
Code 07 at a glance
Response Code
07
Name
Pick Up Card (Special)
Category
hard decline
Retryable
No
Related Decline Codes
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.
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 07 FAQ
Frequently asked questions about decline code 07: Pick Up Card (Special).