Decline Code 04: Pick up card (no fraud)

The credit card decline code “04: Pick up card (no fraud)” indicates that the issuing bank has flagged the card and requested that it be retained by the merchant. This means the card should not be returned to the cardholder and should instead be kept by the merchant. This action is typically requested when the bank detects an issue with the card that does not necessarily involve fraud, such as it being reported lost or stolen, or other security concerns that necessitate the card’s removal from circulation. Merchants are advised to handle such situations with discretion and follow the procedures set by their payment processor or acquiring bank.