The decline code 41, typically referred to as “Lost Card, Pick Up,” indicates that the credit card being used has been reported as lost. The issuing bank has placed a hold on the card to prevent unauthorized use. This code is a security measure that prompts the merchant to retain the card if possible and contact the card issuer. It helps prevent potential fraudulent transactions and protects the cardholder’s account. Merchants are advised to handle such situations carefully, following their specific protocols and possibly involving security or law enforcement if needed.
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