← All Stripe decline codes
Do not retryFraud decline

pickup_card

Pick up card (fraud suspected)

Category

Fraud decline

Retryable

No — update the card

Suggested retry

No auto-retry

What it means

The issuer flagged the card and asked for it to be retained; fraud is suspected.

Why it happens

The bank detected suspicious activity, or the account is flagged.

How to recover the payment

Do not retry. Contact the customer and ask for a different card.

Category tip: Do not retry. Contact the customer instead.

Recovery email preview

Subject: Action needed — your payment did not go through

We could not process this payment. Please contact your bank, then add a new card.

Update payment method

Sent 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
Start recovering payments

At a glance

Retryable
No
Retry window
No auto-retry
Card must be replaced
Yes

Frequently asked

What does the Stripe decline code pickup_card mean?+

The issuer flagged the card and asked for it to be retained; fraud is suspected.

Is the Stripe decline code pickup_card retryable?+

Do not retry. Contact the customer and ask for a different card.

How do I recover a payment declined with pickup_card?+

Do not retry. Contact the customer and ask for a different card.

What should I send the customer for pickup_card?+

We could not process this payment. Please contact your bank, then add a new card.

Related fraud decline codes

fraudulentTransaction flagged as fraudulentlost_cardCard reported loststolen_cardCard reported stolen

Browse the full list of Stripe decline codes or look one up with the free lookup tool.

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