When Braintree returns decline code 2044, it means: decline — customer requested stop of specific recurring. This is classified as a hard decline in the IssuerBlock subcategory. This type of decline usually requires direct customer action to resolve.
LostChurn sends a clear, branded email explaining the customer's bank blocked the charge and suggests they contact their bank to whitelist the merchant. We include a one-click retry link for after the customer resolves the issue.
Do not retry the same card details. Trigger Account Updater check first, then send a payment update email. Wait 0 hours between outreach attempts. Maximum 0 contact attempts over 14 days before marking as churned.
do_not_try_againStripeIssuer has permanently blocked this transactionnot_permittedStripePayment not permitted — customer should contact issuerrestricted_cardStripeCard has been restricted by issuerrevocation_of_all_authorizationsStripeAll authorizations revoked by cardholderrevocation_of_authorizationStripeAuthorization revoked by cardholderLostChurn detects 2044 declines in real time and applies the optimal recovery strategy — no manual intervention needed.