What it means
The billing postal code did not match the bank record for that card.
← All Stripe decline codes
Card update requiredHard decline
incorrect_zip
ZIP/postal code check failed
Category
Hard decline
Retryable
No — update the card
Suggested retry
No auto-retry
Why it happens
Often a move, or a mismatch between the billing address and the address the bank has.
How to recover the payment
Ask the customer to confirm their billing postcode and update the card.
Category tip: Not worth retrying automatically until the card is updated.
Recovery email preview
Subject: Action needed — your payment did not go through
The billing address on your card did not match. Please confirm your postcode and card details.
Update payment methodSent automatically by churnguardian the moment this code appears.
How churnguardian handles it
churnguardian stops automatic retries and emails the customer a one-click link to update their card, so recovery happens as soon as they act.
- Decline-aware retries timed to recovery odds
- Branded recovery emails with a one-click card update
- Stops automatically the moment the charge clears
At a glance
- Retryable
- No
- Retry window
- No auto-retry
- Card must be replaced
- Yes
Frequently asked
What does the Stripe decline code incorrect_zip mean?+
The billing postal code did not match the bank record for that card.
Is the Stripe decline code incorrect_zip retryable?+
Ask the customer to confirm their billing postcode and update the card.
How do I recover a payment declined with incorrect_zip?+
Ask the customer to confirm their billing postcode and update the card.
What should I send the customer for incorrect_zip?+
The billing address on your card did not match. Please confirm your postcode and card details.
Related hard decline codes
card_not_supportedCard type not supportedcurrency_not_supportedCurrency not supported by cardexpired_cardCard has expiredincorrect_cvcCVC check failedincorrect_numberCard number is incorrectinvalid_cardCard is invalid
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