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.
Why does code 43 occur?
- Cardholder reported the card as stolen
- Issuer detected unauthorized use and classified as stolen
- Card data compromised in a data breach and flagged by network
Can this transaction be retried?
No, code 43 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. Report the incident to your payment processor. In a face-to-face scenario, retain the card if safely possible. Remove this card from any recurring billing systems.
What cardholders should do
If this is your card and it was not stolen, contact your bank immediately. If you reported it stolen, your bank will issue a replacement card.
Code 43 at a glance
Response Code
43
Name
Stolen 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.
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.
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 43 FAQ
Frequently asked questions about decline code 43: Stolen Card.