Stripe decline code
pickup_card
The issuing bank flagged the card to be retained (historically, 'pick up the card'). It cannot be charged again.
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.
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.