What it means
The card was reported lost, so the issuer blocks all charges on it.
← All Stripe decline codes
Do not retryFraud decline
lost_card
Card reported lost
Category
Fraud decline
Retryable
No — update the card
Suggested retry
No auto-retry
Why it happens
The customer reported the card lost and the bank disabled it.
How to recover the payment
Do not retry. Ask the customer for their replacement card.
Category tip: Do not retry. Contact the customer instead.
Recovery email preview
Subject: Action needed — your payment did not go through
This card was reported lost. Please add your new card to keep your subscription.
Update payment methodSent automatically by churnguardian the moment this code appears.
How churnguardian handles it
churnguardian stops retries and surfaces the event so you can reach out directly rather than hammering the issuer.
- 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 lost_card mean?+
The card was reported lost, so the issuer blocks all charges on it.
Is the Stripe decline code lost_card retryable?+
Do not retry. Ask the customer for their replacement card.
How do I recover a payment declined with lost_card?+
Do not retry. Ask the customer for their replacement card.
What should I send the customer for lost_card?+
This card was reported lost. Please add your new card to keep your subscription.
Related fraud decline codes
fraudulentTransaction flagged as fraudulentpickup_cardPick up card (fraud suspected)stolen_cardCard reported stolen
Browse the full list of Stripe decline codes or look one up with the free lookup tool.
Recover your first failed payment this week
Join bootstrapped and early-stage SaaS teams winning back thousands in MRR every month, on autopilot.
14-day free trial · No credit card required