When AuthorizeNet returns decline code 78, it means: no account — card account does not exist. This is classified as a technical in the ClosedAccount subcategory. This type of decline usually requires direct customer action to resolve.
LostChurn applies automatic retry with exponential backoff for technical errors. We monitor system health across payment networks and time retries for when the issue has resolved, typically within 1-4 hours.
Retry automatically after 0 hours with exponential backoff. These errors are transient and typically resolve quickly. Maximum 0 retries over 0 hours.
LostChurn detects 78 declines in real time and applies the optimal recovery strategy — no manual intervention needed.
