What is the difference between Braintree 2022 and 2004?

2004 just says expired. 2022 adds that the bank already issued a replacement card.

Can I keep billing the old card after 2022?

No. Get the new card details from the customer.

Braintree · Decline codes

What does Braintree 2022 “Declined – Updated Cardholder Available” mean?

Checked October 31, 2026

Braintree 2022 “Declined – Updated Cardholder Available” means the card expired or was reported lost and the bank has issued a new one. It is a hard decline. The old details will not work again. Reach out to the customer to get the new card number, or use an account updater if your processor offers one.

Type: Hard decline
Who declined: The shopper's bank
Retry: No, not with the old details
Shopper action: Give the store the new card details
Merchant action: Ask the customer for the updated card

What PlatformDTC does

PlatformDTC does not connect to Braintree. On Stripe the same answer is new_account_information_available, which PlatformDTC classes as never-retry at checkout and never moves to a backup processor, because only the new card can pay.

Why it happens

Banks send this when a card has been reissued, for example after expiry or a lost-card report. Saved cards in subscriptions hit it often.

What the store can do

Ask the customer to update their card. Account updater services can refresh saved cards automatically where available.

For developers

Braintree returns processor_response_code 2022 with processor_response_text “Declined – Updated Cardholder Available” and processor_response_type “hard_declined” on the Transaction object.

Frequently asked questions

What is the difference between Braintree 2022 and 2004?: 2004 just says expired. 2022 adds that the bank already issued a replacement card.
Can I keep billing the old card after 2022?: No. Get the new card details from the customer.

Sources

Declines: authorization decline codes — Braintree (PayPal)
Transaction response object — Braintree (PayPal)
Decline codes — Stripe