07 | Pick up card (special condition)

Industry

Systems & Devices

Canonical

/systems/pos-systems/error-codes/07/

Last Updated

Feb 27, 2026

Summary

The issuer indicates a retain/pick-up action under special conditions; the transaction should not proceed.

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What This Code Means

Response code 07 is a “retain card” style response that indicates the issuer considers the transaction high risk or the card status problematic. Many merchants are not able to retain cards; it is commonly handled as a hard decline.

Where Users Usually See This Code

High-risk or unusual purchase attempts
Transactions with issuer risk blocks

Why This Code Appears

Issuer fraud/risk controls triggered
Card status flagged at the issuer level

What Typically Happens Next

The transaction is declined
Cardholder is advised to contact their issuer

What This Code Is Not

It is not a terminal hardware failure
It is not a merchant configuration issue

Troubleshooting Checklist

□ Do not retry repeatedly; request another payment method
□ Follow merchant/acquirer safety policy regarding retain instructions

Notes And Edge Cases

Operational handling differs by region and merchant category; prioritize staff safety.

Related Codes

8 links

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