unlimited/processing
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Decline code · 04

Decline code 04: Pick Up Card

The bank asked for the card to be kept — usually reported lost, stolen or fraudulent.

unlimitedprocessing.com · decline check
ISO 04
Pick Up Card
Fraud / stop
Save on another gateway?
✕ Never retry
What to do now
  • Never retry this card.
  • Ask the buyer for a different payment method.
The same decline elsewhere
Stripepickup_card
NMI250 · Pick up card
Adyennot verified yet
Authorize.net4 · Declined (pick up card)

Never retry this one. On Unlimited it’s blocked on every gateway so a stolen or fraudulent card can’t be pushed through.

Fraud guardrails →
Soft declines move on. Fraud and stolen cards never do. At most 10 declines per card every 24 hours.
← Check any decline code
Source: official card-network / ISO 8583 response codes and each processor’s documentation. Routing rules: Unlimited Processing. Updated 2026-11-09.