TABLE OF CONTENTS
- The Reason You’re Getting a Code 43 Hold
- What is a Hold Code?
- How to Proceed with a Stolen Card 43 Code
When you run a credit or debit card, you may come across hold code 43. When a credit card transaction does not go through, the terminal presents a decline, error, or hold code. There are many possible credit card decline codes, each with a different meaning. Knowing what these codes mean and how to deal with them can help you resolve the situation. This knowledge can also help you soothe your customer and possibly even save the sale. Read on to learn what a stolen card 43 hold code means and how to resolve it.
The Reason You’re Getting a Code 43 Hold
If the customer swipes their card and you see “code 43 hold” on your terminal, it means fraud is at play. Hold code 43 alerts the merchant that the card has been reported stolen. This stolen card 43 code flags the card for pickup by the issuing bank and will not work to complete a transaction. The only way for you to receive this code is if the customer’s card is reported as stolen. Hold code 43 differs from hold code 41 which is when customers report their card is lost or missing.
What is a Hold Code?
A hold code is similar to a decline code, in that it indicates the card payment could not go through. The difference here is that with most decline codes, the solution is returning the card to the customer and instructing them to resolve the problem with their issuer (Visa, American Express, Mastercard, Discover, etc.). However, with a hold code, the card issuer is asking the merchant to confiscate the card. This is why it’s called a “hold” code rather than just a decline.
How to Proceed with a Stolen Card 43 Code
Hold 43 code indicates that the customer in question may be attempting fraud, so you should not return the credit card to them. Do not attempt to run the card again, and if possible, avoid providing any goods or services to the customer.
Instead of handing the stolen card back to the customer, keep it and call the toll-free number on the back of the credit card once they’ve left. If the customer is not present at the store and you’re unable to confiscate the card, the solution is a little trickier. If the customer believes the decline is an error, instruct them to call their card issuer to resolve the problem. However, you should also report the transaction to the card-issuing bank.
For recurring customers or those with scheduled transactions, the card may have been stolen after the last successful payment. In this case, contact the customer for a new credit card number or alternative form of payment.
FAQs
Hold 43 code indicates that the customer in question may be attempting fraud, so you should not return the credit card to them. Do not attempt to run the card again, and if possible, avoid providing any goods or services to the customer.
How do I get rid of code 43? ›
Uninstall and reinstall the device driver
In some cases, uninstalling and reinstalling the driver fixes the error: Press and hold (or right-click) the Start button and select Device Manager. On the list of devices, find the device that's having driver problems (it will often have a yellow exclamation point next to it).
What is decline code 43 on credit card? ›
The credit card transaction decline code 43, “Stolen card, pick up,” indicates that the payment card used in the transaction has been reported as stolen.
How to fix USB problem code 43? ›
Uninstalling and then reinstalling the drivers for the device is a possible solution to a Code 43 error. If a USB device is generating the Code 43 error, uninstall every device under the Universal Serial Bus controllers hardware category in Device Manager as part of the driver reinstall.
What are 43 response codes? ›
ISO 8583 Mappings
| ISO 8583 Code to Google Code Mappings |
|---|
| 43 Merchant should retain card (card reported stolen) | CARD_LOST_OR_STOLEN |
| 51 Insufficient funds | INSUFFICIENT_FUNDS |
| 52 No checking account | CARD_NUMBER_INVALID |
| 53 No savings account | CARD_NUMBER_INVALID |
57 more rowsInstall the most current driver (which was newer than the one I had when the system last worked) both in GeForce Experience and downloaded straight from Nvidia's website. Physically remove and re-seat the GPU and its power delivery as well as reseat the motherboard battery.
What is error code 43 because it has reported problems? ›
Sometimes you may see this error message: Windows has stopped this device because it has reported problems (Code 43). This usually means that the driver (which does NOT come from Seagate; this driver comes from Windows) has lost communication with the drive or the driver has crashed.
Why is my debit card declining when I have money? ›
There are several reasons why a debit card may be declined even if you have money in your account. Common reasons include travel and reaching your daily purchase limit. Stay on top of your cards and consider using budgeting apps to help avoid debit card denial.
How do I fix my declined credit card? ›
If your card has been declined, you can take steps to resolve whatever issue caused it, including:
- Storing credit card information to prevent incorrectly entering it for an online purchase.
- Asking the card issuer to reopen your closed account.
- Making overdue payments.
- Paying your balance in full every month.
Response Code: 43 - Stolen Card.
Star codes
On most European telephone networks, and GSM or UMTS mobile phones, call waiting is activated by dialing the following codes: To activate: *43# To deactivate: #43# To check status: *#43#
How to fix code 43 on GPU? ›
Persistent NVIDIA GPU Issue with Code 43 on Windows 11
- Complete uninstallation of NVIDIA drivers in Safe Mode.
- Updating drivers directly from NVIDIA's website.
- Installing drivers through NVIDIA GeForce Experience.
- Reinstalling the NVIDIA Control Panel.
- Restarting NVIDIA Display Container LS from Services.
If the issue still persists, try the following:
- Remove all third-party video adapters, converters, hubs, or docking stations. Try a direct connection (HDMI to HDMI, DisplayPort* to DisplayPort*, and so on) instead. Then, see if the error disappears. ...
- Contact your system manufacturer for further assistance.
Hold code 43 alerts the merchant that the card has been reported stolen. This stolen card 43 code flags the card for pickup by the issuing bank and will not work to complete a transaction. The only way for you to receive this code is if the customer's card is reported as stolen.
What is error code 43 on credit card? ›
43 – Stolen card, pick up (fraud account)
The right owner has reported this card as lost or stolen, and the issuing bank has denied the transaction as a result. Don't try the transaction again and do not provide any additional goods or services to the cardholder.
What is the code +43? ›
43 is the country calling code assigned to Austria by the International Telecommunication Union. All of the country's telephone numbers are also designated under the Telecommunications Act of 2003 created by the Federal Ministry of Digital and Economic Affairs of the Austrian Government.
Is code 43 a hardware problem? ›
Error Code 43 can be caused by hardware problems or driver or settings corruption. To address this issue, we recommend performing a clean install of latest graphics drivers provided by the system manufacturer, since these drivers are customized.
How to fix bluetooth error code 43 in Windows 10? ›
Bluetooth Adapter Disabled By Windows (Code 43)
- Updating bluetooth drivers, then rebooting.
- Uninstalling bluetooth device and drivers, then rebooting and reinstalling.
- Rolling back to Microsoft's bluetooth adapter, testing, then reinstalling Realtek's.
Code 43 wireless is an error code that shows a problem with the wireless device or its driver. It means that Windows has disabled the device because it has detected some kind of issue.
How do you fix currently this hardware device is not connected to the computer code 45? ›
How to Fix Device Manager Error Code 45 on Windows
- Reconnect the Problematic Device. ...
- Restart the Computer. ...
- Download the Latest Windows Updates. ...
- Disable and Then Re-enable the Device. ...
- Run Windows Troubleshooters. ...
- Update the Problematic Device. ...
- Run SFC and DISM Scan.
