Stripe decline code
fraudulent
The charge was declined because it was flagged as suspected fraud by the issuer or the card network.
Primary source: Stripe’s official decline codes reference
Why it happens
- The issuer's fraud model flagged this charge.
- Unusual activity on the card triggered a block.
- The cardholder or bank disputed recent activity.
Should you retry it?
No — the customer must update their card
Retrying a charge flagged as fraudulent risks more declines and disputes, which can harm your account standing. It should not be retried automatically.
How to recover it
Don't retry. If you believe the customer is legitimate, ask them to contact their bank to clear the block, then have them re-confirm payment.
Recoverly never retries charges, and it does not contact customers on fraudulent declines at all. The customer should clear the block with their bank before paying again.
See how much failed-payment revenue you can recover
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Related decline codes
Written by the Recoverly team · Published June 25, 2026 · Last reviewed July 17, 2026
Recoverly finds invoices Stripe’s retries left unpaid and — with your approval — sends payment-update emails, then verifies what actually came back. This page is informational and not affiliated with Stripe.