If an issuer deletes a token due to a closed account, fraud, or lost card, a transaction attempt will result in a decline and retries will never be approved. Until recently, issuers would return a generic 20005 - Declined - Do not honor response in this scenario, causing a poor customer experience and the potential for reattempts to trigger system integrity fees.
To provide clear guidance that the credential is permanently invalid, prevent unnecessary retries, and improve overall transaction performance, Visa has repurposed the 30046 - Closed Account response code for this scenario.
If you receive this response, you should avoid making any further retries for the token, as these will never be approved.
As Manager of Scheme Relationships, Dola plays a pivotal role in bridging the gap between Checkout.com and the major card schemes – Visa, Mastercard, American Express, and JCB. With over a decade of experience managing payment operations at globally recognised fintechs and high-growth consumer brands, she brings deep expertise in optimising payment systems and translating scheme changes into meaningful value for merchants, all through a strong customer-centric lens.
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