Stripe decline code
fraudulentThe card issuer has flagged this specific card as fraudulent. The card is compromised and cannot be charged.
Type
Recoverable
Frequency
Uncommonfraudulent is a hard decline returned when the issuer has confirmed fraud on the card. It is different from do_not_honor, which is a risk flag. Retrying a fraudulent card is not only futile, it can get your merchant account flagged for card testing by Visa and Mastercard. Never retry.
Never retry. Cancel any saved payment method associated with this card. Log the event for fraud review.
Do not contact the legitimate cardholder using this card, because the card is compromised. If you have another contact method (email on file), a generic "your payment failed" message is fine, but do not mention fraud.
Card is compromised or flagged for fraud. Do not retry. Detach the payment method.
If the fraudulent flag is wrong, the cardholder must resolve it with their bank, not with you. Your role is to stop charging and wait for the cardholder to provide a new valid payment method.
How Rebounce handles fraudulent
Rebounce classifies every failed payment by its Stripe decline code and applies the optimal recovery strategy automatically. For fraudulent, that means skipping retries and contacting the customer immediately. Multi-channel follow-up through email, SMS, WhatsApp, and in-app banners ensures the customer actually sees the message.
stolen_cardFraud or securityThe card has been reported stolen to the issuing bank. It cannot be charged.
lost_cardFraud or securityThe card was reported lost to the issuer and has been blocked.
pickup_cardFraud or securityThe card issuer has instructed the merchant to retain the card. The card is blocked.