Pickup Card
What This Means
The bank is requesting that the card be physically confiscated, typically because it has been reported as lost, stolen, or is being used fraudulently. For online transactions, this translates to a hard decline. SaaS businesses should treat this as a permanent block.
Retrying will likely fail again. The customer needs to update their payment method or contact their bank.
Common Causes
- 1Card has been definitively flagged as stolen or counterfeit
- 2Bank has determined the card is being used by an unauthorized person
- 3Card has been involved in confirmed fraudulent transactions
Recovery Tactics
- 1Stop all retry attempts on this card immediately
- 2Flag the account for fraud review
- 3If the customer is legitimate, ask them to contact their bank and use a new card
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FAQ
What does "pickup card" mean for online transactions?
In brick-and-mortar retail, the merchant would physically take the card. For online transactions, it simply means the card is permanently blocked. No online retry will succeed with this card.
Should I block the customer's account?
Investigate first. If the customer has a legitimate account history, they may be a victim. If the account was recently created with no other verification, it is more likely fraudulent. Err on the side of caution and require identity verification.
How healthy is your Stripe account?
Get a free churn health report. Find pending cancellations, failed payments, and expiring cards putting your MRR at risk.
Run Free Audit