Mastercard Payment Decline Code
Mastercard Decline Code 71: PIN Not Changed
Category Authentication or PINRetry Guidance Conditional Decline (Editorial Classification)By Payment Defender Editorial TeamUpdated July 17, 2026Last reviewed July 17, 2026
What Mastercard Decline Code 71 Means
Mastercard decline code 71 (PIN Not Changed) indicates that the issuer requires the PIN to be changed before the transaction can be approved. It is returned during authorization to tell the merchant the payment could not be approved as submitted.
Where the Response May Come From
Mastercard code 71 (PIN Not Changed) is returned by the card issuer during authorization and signals that a required PIN change has not yet been completed on the account. Issuers rarely disclose the precise internal cause, so treat it as a directional signal rather than a full explanation.
Common Reasons for This Response
Common causes include a mandatory PIN change the cardholder has not completed, or a PIN reset requirement. The exact trigger depends on the issuer, the account, and how the transaction was submitted, so the same code can appear in several different situations.
Should the Merchant Retry the Payment?
Whether a retry helps depends entirely on the fact that a required PIN change has not yet been completed on the account; retry only once that condition is genuinely resolved, and avoid immediate repeat attempts that conflict with network retry expectations.
Recommended Merchant Action
Confirm the cause first, since a required PIN change has not yet been completed on the account, then let the customer complete the required PIN change with their bank, and ask the customer to contact their issuing bank if the response points to their account.
What to Tell the Customer
Let the customer know the payment did not go through because a required PIN change has not yet been completed on the account, and suggest updating their PIN with their bank and then retrying. Keep the wording neutral and avoid asserting issuer details you cannot confirm.
How to Reduce Similar Payment Failures
Segmenting how often a required PIN change has not yet been completed on the account appears by issuer and BIN, prompting customers to resolve pending PIN requirements, and submitting clean, correctly formatted authorization data can reduce avoidable occurrences of this decline over time.
Important Limitations
Decline-code meanings vary by processor, gateway, and payment environment, and issuers do not always disclose the specific reason behind a response. The retry classification on this page is Payment Defender editorial guidance, not an official Mastercard rule. Merchants should confirm handling with their processor or gateway.
Related Decline Codes
Sources and Review Information
- PayPal (Braintree): Braintree Processor Response Codes
- Mastercard: Mastercard Rules and Merchant Support
Last reviewed July 17, 2026
Raw network-response codes are supplemental to the complete processor or gateway response. Meanings and recommended actions can vary by issuer, processor, gateway, card network, payment method, region, and merchant configuration.