Stolen Card
What This Means
The cardholder has reported this card as stolen. All transactions on this card will be declined permanently. SaaS businesses should stop retrying and flag this account for review, as the person who signed up may not be the cardholder.
Retrying will likely fail again. The customer needs to update their payment method or contact their bank.
Common Causes
- 1The legitimate cardholder reported the card as stolen
- 2Someone used stolen card details to sign up for your service
- 3Card data was compromised in a breach and the bank flagged it as stolen
Recovery Tactics
- 1Stop all retry attempts immediately
- 2Flag the account for manual review to determine if the subscriber is the cardholder
- 3If the subscriber is the legitimate cardholder, send a dunning email to update payment method
- 4If fraud is suspected, consider suspending the account pending verification
How healthy is your Stripe account?
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FAQ
Is the subscriber a fraudster?
Not necessarily. The subscriber might be the legitimate cardholder whose card was stolen after signing up, or someone who used stolen card details to create the account. Review the account activity and registration details before making a judgment.
Am I liable for charges on a stolen card?
If a charge went through before the card was reported stolen, you may face a chargeback. Implementing 3D Secure shifts liability to the bank in many cases. Going forward, no new charges will be authorized on this card.
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