--- description: Learn what Mastercard Issuer Response Code 58 (Transaction not permitted to acquirer/terminal) means, why it occurs, and how merchants should handle it. title: Mastercard Code 58: Transaction Not Permitted to Acquirer image: https://cdn.smartretry.com/cdn-cgi/image/width=1200,height=630,quality=85,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fuploads%2F2026%2F10%2Fog-decline-code-mastercard-issuer-response-code-58.png --- MA Mastercard # Mastercard Issuer Response Codes 58: 58 hard decline Last updated: October 22, 2026 ## Still letting failed transactions slip through? SmartRetry turns declines into approvals - automatically, intelligently, and without changing your payment provider. Table of Contents ## Key details 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 \>](/pricing) ## 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 \>](/payment-providers/mastercard#statuses)[Find code on Mastercard's website \>](https://developer.mastercard.com/mastercard-send-disbursements/documentation/response-error-codes/network-response-codes/) ### Frequently asked questions about this topic No FAQs available for this topic. #### Share this article [![Share on X](https://cdn.smartretry.com/cdn-cgi/image/width=3840,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2F_next%2Fstatic%2Fmedia%2Ftwitter.21z6yr9njnznr.svg)](https://twitter.com/intent/tweet?text=Mastercard%20Issuer%20Response%20Codes%2058%3A%2058&url=https%3A%2F%2Fwww.smartretry.com%2Fdecline-code%2Fmastercard-issuer-response-code-58 "Share on X")[![Share on Facebook](https://cdn.smartretry.com/cdn-cgi/image/width=3840,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2F_next%2Fstatic%2Fmedia%2Ffacebook.3sbfjbsxa26qg.svg)](https://www.facebook.com/sharer/sharer.php?u=https%3A%2F%2Fwww.smartretry.com%2Fdecline-code%2Fmastercard-issuer-response-code-58 "Share on Facebook")[![Share on LinkedIn](https://cdn.smartretry.com/cdn-cgi/image/width=3840,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2F_next%2Fstatic%2Fmedia%2Flinkedin.09sdc8tnlrn4a.svg)](https://www.linkedin.com/sharing/share-offsite/?url=https%3A%2F%2Fwww.smartretry.com%2Fdecline-code%2Fmastercard-issuer-response-code-58 "Share on LinkedIn") Make us your preferred source ![Kyle Regacho](https://cdn.smartretry.com/cdn-cgi/image/width=256,quality=75,format=auto,fit=cover/https%3A%2F%2Fsecure.gravatar.com%2Favatar%2Faa4329c7f45a68c68f2fbccab899d0f43f3740f3f9e92d5c6ea711171fc1a35f%3Fs%3D96%26d%3Dmm%26r%3Dg) Author ##### Kyle Regacho [![LinkedIn](https://cdn.smartretry.com/cdn-cgi/image/width=32,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2F_next%2Fstatic%2Fmedia%2Flinkedin.09sdc8tnlrn4a.svg)Find me on Linkedin](https://www.linkedin.com/in/kdregacho/) Focused on payment recovery, decline codes, and authorization optimization at SmartRetry. Helps payment teams turn failed transactions into recovered revenue [Read all articles >](/authors/kyle-regacho) ## Join our newsletter! Real strategies to recover lost revenue - straight to your inbox ## Related codes * [![Mastercard](https://cdn.smartretry.com/cdn-cgi/image/width=256,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fpayment-providers%2Flogos%2Fmastercard.svg)55Invalid PINhard declineRead more >](/decline-code/mastercard-issuer-response-code-55) * [![Mastercard](https://cdn.smartretry.com/cdn-cgi/image/width=256,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fpayment-providers%2Flogos%2Fmastercard.svg)51Insufficient funds/over credit limitsoft declineRead more >](/decline-code/mastercard-issuer-response-code-51) * [![Mastercard](https://cdn.smartretry.com/cdn-cgi/image/width=256,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fpayment-providers%2Flogos%2Fmastercard.svg)54Expired cardhard declineRead more >](/decline-code/mastercard-issuer-response-code-54) ## Articles you may find interesting: [View all](/blog) [![Verifying Your Payment Security Posture to Protect Authorization Rates](https://cdn.smartretry.com/cdn-cgi/image/width=3840,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fuploads%2F2026%2F10%2Fpayment-security-posture-authorization-optimization.jpg) October 22, 2026 Verifying Your Payment Security Posture to Protect Authorization Rates Outsourcing checkout does not eliminate PCI obligations. Learn how verifying your payment posture, isolating card data, and auditing scripts safeguards issuer trust and prevents avoidable card declines across your payment pipeline.](/blog/verify-payment-security-posture-authorization-rates)[![How Payment Teams Balance Fraud Prevention and Authorization Rates](https://cdn.smartretry.com/cdn-cgi/image/width=3840,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fuploads%2F2026%2F10%2Fbalance-fraud-prevention-payment-authorization-rates.jpg) October 20, 2026 How Payment Teams Balance Fraud Prevention and Authorization Rates Discover how modern payment operations bridge the data gap between merchant fraud filters and card issuers to drive higher net revenue recovery without raising chargebacks.](/blog/increase-authorization-rates-without-increasing-fraud)[![The Hidden Mechanics of Recovering Failed PayPal Transactions](https://cdn.smartretry.com/cdn-cgi/image/width=3840,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fuploads%2F2026%2F10%2Frecovering-failed-paypal-recurring-transactions.jpg) October 19, 2026 The Hidden Mechanics of Recovering Failed PayPal Transactions Discover the underlying mechanics of digital wallet failures on PayPal and how dynamic recovery strategies protect recurring subscription revenue from churn.](/blog/recovering-failed-paypal-transactions)[![How Payment Teams Can Prevent Gateway Holds and Manage Dispute Ratios](https://cdn.smartretry.com/cdn-cgi/image/width=3840,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fuploads%2F2026%2F10%2Fprevent-gateway-holds-dispute-ratios.jpg) October 15, 2026 How Payment Teams Can Prevent Gateway Holds and Manage Dispute Ratios Discover how automated risk reviews trigger gateway freezes and how payment teams can insulate revenue through multi-acquirer setups and smart retry logic.](/blog/prevent-gateway-holds-dispute-ratios) ![SmartRetry - Payment Recovery Platform](https://cdn.smartretry.com/cdn-cgi/image/width=3840,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2F_next%2Fstatic%2Fmedia%2Flogo.3mm2n0hdxl3mi.svg) ## Decline codes tell you why. We fix it. SmartRetry reads every decline reason and applies the right retry strategy for each one. 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