Paya: 000004 Hold Call

What This Means

This decline code means that the card has been lost, stolen, or otherwise flagged for pickup by the issuing bank.

Note: Paya provides Master Error Code lists from all processors within their support knowledge base here.

Common Causes For This Error

Incorrect credit card number or expiration date
Insufficient funds
The bank declined based on location
The bank's fraud rules blocked the transaction

Suggested Next Steps

Contact the customer to see if the current payment method can be funded and retried.
Contact the customer to have them add a new payment method and add it to their Scheduled Order.
Once a new payment method is added to the Scheduled Order, the Scheduled Order should be processed with the new payment method.

Adding A New Payment Method for Your Customer?

If you are adding a new payment method for your customer directly to your payment gateway (manually), ensure that you edit the failed Scheduled Order, add a new payment method, and copy the required billing information from the payment gateway directly to their Scheduled Order including:

Gateway CustomerId
Billing Address
Payment Method Description (optional, but strongly suggested because it is used to display the payment method to your customer)

After Resolving The Issue

Once this issue is resolved, you should use the action to Restart Processing the Failed Scheduled Order.