Stripe decline code
pickup_card
The issuing bank flagged the card to be retained (historically, 'pick up the card'). It cannot be charged again.
Primary source: Stripe’s official decline codes reference
Why it happens
- The bank blocked the card due to fraud or an account problem.
- The card was reported lost or stolen.
- The account was closed or frozen.
Should you retry it?
No — the customer must update their card
A card flagged for pickup is blocked by the issuer. Only a different, valid card will recover the payment.
How to recover it
Ask the customer to add a different card via a secure update page rather than retrying the blocked one.
Retrying won't fix this code — the customer has to act. Recoverly's approve-first sequence emails the customer a Stripe-hosted payment page where they can update their card in one click. Recoverly never charges or retries cards itself.
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
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.