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.
Why does code 41 occur?
- Cardholder reported the card as lost to their issuer
- Bank proactively blocked the card after detecting it in a compromised card database
- Card not received by cardholder and reported as lost in transit
Can this transaction be retried?
No, code 41 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. In a face-to-face scenario, retain the card if safely possible. Do not retry — this card is permanently blocked. If you have this card on file for recurring billing, remove it.
What cardholders should do
If this is your card and it was not lost, contact your bank immediately — someone else may have reported it. If you did report it lost, request a replacement card with a new number.
Code 41 at a glance
Response Code
41
Name
Lost Card
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.
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.
Restricted Card
The card has been restricted by the issuing bank and cannot be used for any transactions. This is a broad block that is typically applied for compliance, regulatory, or security reasons.
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Find a SWIFT codeDecline Code 41 FAQ
Frequently asked questions about decline code 41: Lost Card.