Merchant advice codes

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Merchant advice codes
Navigating merchant advice codes for improved transaction outcomes and business insight

Merchant Advice Codes (MACs) are introduced by Mastercard to clearly communicate to merchants the reason for declining transactions, and the course of action that merchants can take. These codes provide insights into why a payment failed and recommendations on whether and when it can be retried.

Mastercard sets the MAC values and may expand this list in the future as part of their ongoing efforts to enhance payment system efficiency.

Please note that the availability of the MAC code depends on the policies of both the card issuer and the acquirer. It is important to understand that this functionality is not yet universally supported by all banks.

Solidgate ensures our system stays current by quickly integrating new codes from our providers, including any updates from Mastercard.

These codes will be made available to our merchants, potentially without prior notice, to guarantee prompt implementation.
MAC Description Possible decline reasons Recommendation summary
01 New account information available Change in user’s account information, such as a new expiry date. Update card information.
isRetry : true
02 Cannot approve at this time, try again later Credit limit issues or insufficient funds. Try again the payment after 72 hours.
isRetry : true
03 Do not try again Account closed, suspected fraud, or user cancelled the recurring agreement. Do not retry this payment; direct user contact may be necessary.
isRetry : false
04 Token not supported Technical issues with the payment. Contact the Solidgate support team.
isRetry : true
21 Stop recurring payment User canceled the recurring agreement. Do not retry this payment; retries can be subject to penalty fees by Mastercard.
isRetry : false
22 Merchant does not qualify for product code Merchant not enrolled in Mastercard instalment program. Contact the Solidgate support team.
isRetry : false
24 Retry after 1 hour Credit limit issues or insufficient funds. Try this payment after 1 hour.
isRetry : true
25 Retry after 24 hours Credit limit issues or insufficient funds. Try this payment after 24 hours.
isRetry : true
26 Retry after 2 days Credit limit issues or insufficient funds. Try this payment after 2 days.
isRetry : true
27 Retry after 4 days Credit limit issues or insufficient funds. Try this payment after 4 days.
isRetry : true
28 Retry after 6 days Credit limit issues or insufficient funds. Try this payment after 6 days.
isRetry : true
29 Retry after 8 days Credit limit issues or insufficient funds. Try this payment after 8 days.
isRetry : true
30 Retry after 10 days Credit limit issues or insufficient funds. Try this payment after 10 days.
isRetry : true
40 Consumer non-reloadable prepaid card Issuer recognizes a consumer non-reloadable prepaid card was used. No action required.
isRetry : false
41 Consumer single-use virtual card Issuer recognized a consumer single-use virtual card was used. No action required.
isRetry : false
42 Score Exceeds Applicable Threshold Value Mastercard refused this transaction due to a sanctions match. No action required.
isRetry : false

In transaction responses, merchant_advice_code will be returned, providing merchants with actionable insights.

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