Mastercard

Mastercard Issuer Response Codes 58: 58

hard decline

Last updated: October 22, 2026

Brand: Mastercard
Code: 58
Category: Issuer Response Codes
Response: 58
Detailed Response: Transaction not permitted to acquirer/terminal

hard decline

This transaction is not retriable

Payments failing with code 58 are hard declines and typically cannot be recovered by retrying. SmartRetry still helps you avoid future hard declines with smarter routing and validation.

But many other declines in your payment flow may still be recoverable. SmartRetry identifies which failed transactions have recovery potential and applies the right strategy to recover them.

Find out what you can recover >

What it means

Mastercard Issuer Response Code 58 ("Transaction not permitted to acquirer/terminal") indicates that the transaction was declined because the acquirer or terminal is not permitted to process the requested transaction. This network response code is passed to Mastercard in Data Element (DE) 39 of the response message to communicate the reason for declining the payment. Because it points to an acquirer or terminal permission restriction rather than a temporary customer funds issue, it represents a non-retryable configuration or permission decline.

Why does code 58 occur?

The merchant's terminal is not permitted or configured to run the specific transaction type being requested.
The acquiring bank is not permitted to process this specific transaction under its current setup.

How to solve 58?

Do not automatically retry the identical transaction on the same terminal or acquirer configuration, as the permission restriction will cause repeated failures and can trigger Mastercard's $0.10 fee for reattempts exceeding 10 retries over a 24-hour period. Instead, inspect the accompanying Merchant Advice Code (MAC) if present, and contact your acquirer or payment processor to verify that your terminal and merchant account are properly permitted for the transaction type you are attempting to submit.

Solving as a merchant

Suppress automated retry logic for transactions returning DE 39 code 58 and review your Merchant Advice Codes (MAC) to confirm retry restrictions. Reach out to your acquiring bank or gateway support team with the transaction logs to investigate why the terminal or acquirer is not permitted for the transaction.

Solving as a client

Because this decline is related to the merchant's acquirer or terminal permissions rather than an issue with the cardholder's funds, the customer should wait for the merchant to resolve their terminal setup or try completing the purchase using a different payment method or checkout channel if available.

See the full list of Mastercard's decline codes >Find code on Mastercard's website >

Frequently asked questions about this topic

No FAQs available for this topic.

Author

Kyle Regacho

Find me on Linkedin

Focused on payment recovery, decline codes, and authorization optimization at SmartRetry. Helps payment teams turn failed transactions into recovered revenue

Read all articles >

Articles you may find interesting:

View all

Verifying Your Payment Security Posture to Protect Authorization Rates

October 22, 2026

Decline codes tell you why. We fix it.

SmartRetry reads every decline reason and applies the right retry strategy for each one. Your recovery rate goes up without any changes to your payment provider.

Mastercard Issuer Response Codes 58: 58

What it means

Why does code 58 occur?