Stripe decline code
lost_cardThe card was reported lost to the issuer and has been blocked.
Type
Recoverable
Frequency
Rarelost_card is a hard decline similar to stolen_card. The cardholder has reported the card lost and the bank will not approve any charges on it. Unlike stolen_card, the legitimate customer often knows the card is gone and is getting a replacement, so re-engagement is more likely.
Never retry. Detach the card from the customer and prompt for a new one.
You can gently inform the customer that the card on file is no longer active and provide a link to update it. Do not imply fault.
Card is compromised or flagged for fraud. Do not retry. Detach the payment method.
Partially. If the cardholder's bank issues a replacement card and publishes it to the Account Updater network, Stripe can refresh the stored card number silently. Otherwise the customer must update manually.
How Rebounce handles lost_card
Rebounce classifies every failed payment by its Stripe decline code and applies the optimal recovery strategy automatically. For lost_card, that means skipping retries and contacting the customer immediately. Multi-channel follow-up through email, SMS, WhatsApp, and in-app banners ensures the customer actually sees the message.
stolen_cardFraud or securityThe card has been reported stolen to the issuing bank. It cannot be charged.
pickup_cardFraud or securityThe card issuer has instructed the merchant to retain the card. The card is blocked.
fraudulentFraud or securityThe card issuer has flagged this specific card as fraudulent. The card is compromised and cannot be charged.