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Stripe · Decline codes

What does the Stripe do_not_try_again decline code mean?

Checked

Stripe lists do_not_try_again as a deprecated decline code meaning the card was declined for an unknown reason, and says the customer needs to contact their card issuer. Its name says the rest: do not resubmit the same charge on this card. Stripe now carries that instruction in a separate advice code, do_not_try_again, which means the card shouldn't be used again for the same transaction. Ask the customer for a different payment method.

Type
Hard decline
Who declined
The card's bank
Retry
No
Shopper action
Use another card, or contact the bank
Merchant action
Stop retrying this card for this payment
Status
Deprecated by Stripe

What PlatformDTC does

PlatformDTC's checkout treats do_not_try_again as never-retry and never offers a backup processor for it. On renewals it is never retried, on the fixed schedule or with Smart retry, whether it arrives as the decline code or as Stripe's do_not_try_again advice code (or Mastercard Merchant Advice Code 03 or 21) on any other decline. The subscription is held past due and the customer is asked for a new card.

Why it happens

The bank has decided this payment will not be approved and does not want it resubmitted. Stripe does not receive a more specific reason.

What the shopper can do

Pay with a different card or method. If you need this card, call the bank on the number on the back.

What the store can do

Stop automatic retries on this card for this payment and send the customer a link to update their payment method. Retrying against a stop instruction is what card-network fee programs target: Braintree notes Mastercard charges $0.10 for every reattempt beyond 10 in 24 hours after MAC 03 or 21.

For developers

Prefer charge.outcome.advice_code over the deprecated decline code: do_not_try_again, try_again_later or confirm_card_data. On Mastercard, network_advice_code 03 is "Do not try again" and 21 "Stop recurring payment".

Frequently asked questions

Is do_not_try_again still used?
Stripe marks the decline code as deprecated. The same instruction now comes as the advice_code do_not_try_again on the charge outcome.
What happens if I retry anyway?
The bank is likely to decline again, and repeated attempts after a stop instruction can draw card-network fees and raise your decline rate.

Sources

Related

Payments library