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
02 Cannot approve at this time, try again later Credit limit issues or insufficient funds Try this payment again later
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
04 Token not supported Technical issues with the payment Contact support team
21 Stop recurring payment User canceled the recurring agreement Do not retry this payment
24 Retry after 1 hour Credit limit issues or insufficient funds Try this payment after 1 hour
25 Retry after 24 hours Credit limit issues or insufficient funds Try this payment after 24 hours
26 Retry after 2 days Credit limit issues or insufficient funds Try this payment after 2 days
27 Retry after 4 days Credit limit issues or insufficient funds Try this payment after 4 days
28 Retry after 6 days Credit limit issues or insufficient funds Try this payment after 6 days
29 Retry after 8 days Credit limit issues or insufficient funds Try this payment after 8 days
30 Retry after 10 days Credit limit issues or insufficient funds Try this payment after 10 days
40 Consumer non-reloadable prepaid card Issuer recognizes a consumer non-reloadable prepaid card was used No action required
41 Consumer single-use virtual card Issuer recognized a consumer single-use virtual card was used No action required

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