Stripe decline code
lost_card
The issuer declined because the card has been reported lost. For security, banks don't reveal this to the cardholder at checkout.
Why it happens
- The customer reported the card lost and the bank blocked it.
- The bank is reissuing a replacement card.
- The saved card is now permanently inactive.
Should you retry it?
No — the customer must update their card
A card reported lost is blocked permanently. Only a new card from the customer will recover the payment.
How to recover it
Ask the customer to add their replacement card via a secure update page. Don't keep retrying the blocked card.
Recoverly does not retry this code. It triggers the reminder sequence with a Stripe-hosted card-update page so the customer can add a working card in one click.
See how much failed-payment revenue you can recover
Connect Stripe (we only read) and Recoverly shows your recoverable revenue in 30 seconds.
Related decline codes
Recoverly retries up to 4 times within 30 days. This page is informational and not affiliated with Stripe.