merchant_blacklistDo not retryStripe decline code: Merchant blacklist
The card matched the merchant's blocklist.
Recovery outlook
Do not retry. A hard or fraud-flagged decline. Retrying wastes attempts and can raise your fraud signals. Flag it and move to a new payment method.
What it means
The charge was declined because the card matched an entry on a blocklist (yours or a rule you've configured).
Why it happens
The card, customer, or attributes were previously flagged and added to a block/deny list.
Can you retry it?
This is a decision you (or your rules) made, so retrying the same card contradicts it. If it's a false positive, review the blocklist; otherwise require a different payment method.
Recovery playbook
- 1Confirm whether the block is intentional.
- 2Review and correct false positives in your rules.
- 3Require an alternate card for legitimate customers.
- 4Don't auto-retry blocklisted cards.
How Reecova handles merchant_blacklist
Reecova marks merchant_blacklist as a hard decline, stops retries so you don't stack fraud signals, and surfaces it for a clean payment-method switch or write-off. It runs across your whole Stripe account automatically, and shows the dollars each code is costing you.