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Stripe decline codes, explained one by one

Every card decline code below is sourced directly from Stripe's own documentation. We group them by whether Stripe's own guidance points toward automatic retries fixing it, or toward the customer needing to act, and we say so plainly when Stripe's own text doesn't make that clear either way.

Needs the customer to act

expired_card Card's expiration date has passed lost_card Card reported lost, deactivated by issuer stolen_card Card reported stolen, deactivated by issuer incorrect_number Card number doesn't match a real account incorrect_cvc Security code doesn't match incorrect_zip Billing postal code doesn't match invalid_account Card or its account isn't valid pickup_card Card restricted, possibly lost/stolen restricted_card Card restricted, possibly lost/stolen

Usually fixed by retries

issuer_not_available Bank briefly unreachable; Stripe says retry processing_error Technical hiccup; Stripe says retry

Mixed, or unclear from Stripe's own docs

insufficient_funds Retries sometimes work; Stripe suggests an alt. method do_not_honor Stripe's own text: "unknown reason" generic_decline Unknown reason, or a Radar fraud block new_account_information_available Stripe's docs don't fully explain this one

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