Braintree · Decline codes
What does Braintree 2041 “Declined – Call For Approval” mean?
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Braintree 2041 “Declined – Call For Approval” means the card requires the cardholder's approval for this payment, and the shopper needs to contact their bank. It is a hard decline. After the shopper speaks to the bank, a new attempt may pass; until then, retries will keep failing.
- Type
- Hard decline
- Who declined
- The shopper's bank
- Retry
- Not until the shopper contacts the bank
- Shopper action
- Call the bank
- Merchant action
- Ask the shopper to call the bank
What PlatformDTC does
PlatformDTC does not connect to Braintree. On its Stripe checkout a bank asking to be called answers call_issuer; PlatformDTC retries that renewal once after 48–72 hours, then asks for a new payment method, unless the raw network code says never approve.
Why it happens
The bank wants to hear from the cardholder before approving, often for a large or unusual purchase.
What the shopper can do
Call the bank on the number on the card, approve the purchase, then try again.
What the store can do
Ask the shopper to call the bank and then try again, or to use another method.
For developers
Braintree returns processor_response_code 2041 with processor_response_text “Declined – Call For Approval” and processor_response_type “hard_declined” on the Transaction object.
Frequently asked questions
- Who should call the bank for Braintree 2041?
- The shopper. Braintree says the card requires customer approval.
- How is 2041 different from 2011?
- 2011 asks the merchant to call for a voice authorization; 2041 asks the cardholder to approve with the bank.
Sources
- Declines: authorization decline codes — Braintree (PayPal)
- Transaction response object — Braintree (PayPal)
- Decline codes — Stripe
Related
- 2011 — The bank wants the merchant to phone for an approval code.
- 2044 — Declined; the shopper must call their bank.
- 2042 — Your account configuration may be wrong (invalid client ID).
- 2043 — The bank won't allow this payment; don't retry, call the issuer.
- 2045 — Your merchant number is wrong at the processor.
- 2046 — The bank (or PayPal/Venmo) declined the payment.
- 2047 — The card was reported lost or stolen; the bank says keep it.