The customer’s issuing bank has prevented the transaction from being authorized.
Note: As you are not processing this transaction in person, you won’t be able to take possession of the card. What to Do: Have your customer call their issuing bank (the number is typically printed on the back of the credit card) and ask why the transaction was declined. Once the issuing bank confirms that they will approve future attempts, try the transaction again. Alternately, ask your customer for a different credit card.
Why Was a Member's Credit Card Declined with Error Code 04?
A Credit Card Error 04 means the member's bank has declined the transaction. The quickest resolution is to have the member call their bank to clear the hold, then retry the payment or try a different card.