MasterCard Merchant Advice Codes

Merchant Advice Codes are used by issuers to clearly communicate to merchants the reason for declining a MasterCard payment transaction, and the actions merchants can take to continue to serve their customers:

• The reason for approving or declining a recurring payment transaction.
• The actions merchants can take to continue to serve their recurring payment customers.

MAC codes for MasterCard are implemented within a standard API response: you will see it after an error code/message separated by a dot, the same for message. This additional info will present only if issuer sends it to us.

The response will be in a format:
"errorcode=59.03 errormessage=Authentication decline. Suspected fraud, do not retry"

We do not make reattempt or block the customer on a merchant behalf.

Examples of MACs (code and message will be added after a main decline message):

01 = New account information available
02 = Cannot approve at this time, try again later
03 = Do not try again
04 = Token requirements not fulfilled for this token type
05 = Negotiated value not approved
21 = Payment Cancellation
22 = Merchant does not qualify for product code
24 = Retry after 1 hour
25 = Retry after 24 hours
26 = Retry after 2 days
27 = Retry after 4 days
28 = Retry after 6 days
29 = Retry after 8 days
30 = Retry after 10 days
40 = Consumer non-reloadable prepaid card
41 = Consumer single-use virtual card number
42 = Sanctions Scoring Service