lost_card
Card was reported lost.
What just happened
Cardholder reported the card lost; issuer blocked all future charges.
Retry strategy
Halt retries immediately. Continued attempts trigger fraud penalties.
What to tell the customer
Your card was reported lost. Please add a new payment method.
Recommended action
Stop all automation. Email customer with update-card link.
Want to see what this looks like on your Stripe?
See how often "lost_card" hits your Stripe account in the last 30 days — and how much MRR is at risk because of it.
Related codes
Frequently asked questions
Is "lost_card" a soft or hard decline?+
It's classified as a fraud / risk: Issuer flagged the charge. Don't retry without customer contact — risks chargebacks.
Should I retry a "lost_card" decline?+
Halt retries immediately. Continued attempts trigger fraud penalties.
What should I tell my customer when this happens?+
Your card was reported lost. Please add a new payment method.
How do I prevent this decline going forward?+
Stop all automation. Email customer with update-card link.
Does Rechurn handle this decline code automatically?+
Yes. Rechurn classifies "lost_card" and runs the optimal retry cadence with a personalized email sequence. Run a free audit to see how many of your failed charges are this code.