41 | Lost card

Industry

Systems & Devices

Canonical

/systems/pos-systems/error-codes/41/

Last Updated

Feb 27, 2026

Summary

The issuer indicates the card is reported lost; the authorization should be declined.

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Guides

POS Terminal Error Codes: Payment Processing, Connectivity, and Device Health

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What This Code Means

Response code 41 indicates the issuer has flagged the card as lost. Transactions should not proceed, and the customer must contact their issuer. Operational handling of card-retain instructions depends on merchant and acquirer policy.

Where Users Usually See This Code

Authorization attempts on a card reported lost
Terminal messages indicating a hard decline

Why This Code Appears

The cardholder reported the card lost
The issuer blocked the account/card for security reasons

What Typically Happens Next

The transaction is declined
The customer uses a different payment method

What This Code Is Not

It is not a connectivity problem
It is not a merchant setup error

Troubleshooting Checklist

□ Ask the customer to contact their issuer and use another payment method
□ Follow acquirer guidance for any card-retain messaging

Notes And Edge Cases

Merchants typically should not take unsafe actions; follow your acquirer/merchant handbook.

Related Codes

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