Error codes
Hard decline
Adyen
Adyen code 43 – Pickup Card, Stolen Card
The card has been reported stolen. The shopper should contact their issuing bank for clarification.
What does Adyen refusal code 43 mean?
Adyen refusal code 43 Pickup Card, Stolen Card is returned when the cardholder has reported the card as stolen and the issuer has blocked further use. It maps to Stripe's stolen_card. This is a higher-severity signal than a lost-card flag and often indicates confirmed fraud somewhere in the card's history.
Is it a soft or hard decline?
Code 43 is a hard decline. Retries can be treated as fraud attempts by the issuer and may contribute to chargeback rates.
Common root causes
Cardholder reported the card stolen
Confirmed fraud activity triggered a stolen-card flag
Issuer-initiated block following a security investigation
Recommended recovery steps
Halt all retries immediately.
Use account updater services to catch the replacement card silently if the customer received a new one.
Verify customer identity carefully before collecting a new payment method — if the original charge was fraud, you don't want to extend a subscription to a bad actor.
How FlyCode handles Adyen code 43
FlyCode immediately stops retries on 43 declines to protect chargeback ratios, and network updater queries catch replacement cards where possible. When outreach is needed, FlyCode uses cautious verification flows to confirm the customer is legitimate before collecting new payment details.
What does Adyen refusal code 43 mean?
Adyen refusal code 43 Pickup Card, Stolen Card is returned when the cardholder has reported the card as stolen and the issuer has blocked further use. It maps to Stripe's stolen_card. This is a higher-severity signal than a lost-card flag and often indicates confirmed fraud somewhere in the card's history.
Is it a soft or hard decline?
Code 43 is a hard decline. Retries can be treated as fraud attempts by the issuer and may contribute to chargeback rates.
Common root causes
Cardholder reported the card stolen
Confirmed fraud activity triggered a stolen-card flag
Issuer-initiated block following a security investigation
Recommended recovery steps
Halt all retries immediately.
Use account updater services to catch the replacement card silently if the customer received a new one.
Verify customer identity carefully before collecting a new payment method — if the original charge was fraud, you don't want to extend a subscription to a bad actor.
How FlyCode handles Adyen code 43
FlyCode immediately stops retries on 43 declines to protect chargeback ratios, and network updater queries catch replacement cards where possible. When outreach is needed, FlyCode uses cautious verification flows to confirm the customer is legitimate before collecting new payment details.
What does Adyen refusal code 43 mean?
Adyen refusal code 43 Pickup Card, Stolen Card is returned when the cardholder has reported the card as stolen and the issuer has blocked further use. It maps to Stripe's stolen_card. This is a higher-severity signal than a lost-card flag and often indicates confirmed fraud somewhere in the card's history.
Is it a soft or hard decline?
Code 43 is a hard decline. Retries can be treated as fraud attempts by the issuer and may contribute to chargeback rates.
Common root causes
Cardholder reported the card stolen
Confirmed fraud activity triggered a stolen-card flag
Issuer-initiated block following a security investigation
Recommended recovery steps
Halt all retries immediately.
Use account updater services to catch the replacement card silently if the customer received a new one.
Verify customer identity carefully before collecting a new payment method — if the original charge was fraud, you don't want to extend a subscription to a bad actor.
How FlyCode handles Adyen code 43
FlyCode immediately stops retries on 43 declines to protect chargeback ratios, and network updater queries catch replacement cards where possible. When outreach is needed, FlyCode uses cautious verification flows to confirm the customer is legitimate before collecting new payment details.
Understanding This Decline Code
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Frequently Asked Questions
Is Adyen code 43 a soft or hard decline?
Should I be concerned about fraud after Adyen 43?
Yes. A stolen-card flag suggests confirmed fraud somewhere in the card's history. If the original charge on your platform was fraudulent, collecting a new card from the same account isn't recovery — it extends the fraud. Verify identity carefully.
How does FlyCode handle Adyen code 43?
FlyCode treats 43 as a hard decline, halts retries to avoid chargebacks, and uses cautious AI outreach to verify the legitimate customer's identity before collecting a new payment method.
