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The transaction message "PICK UP CARD" is a decline notification sent by the customer's bank. This error message is due to either the card having expired and no longer being in circulation or because the credit card has been reported stolen.

In a card-present environment (retail), the merchant is required to confiscate the credit card. The card should be cut parallel to the magnetic strip (without damaging the strip) and will need to be returned. Please call us (1-877-643-5246) for details.

In a card not present (MOTO, Ecommerce) environment, this response could indicate a stolen or lost card is being used for the transaction. You should be cautious in dealing with a customer who presents a card that generates this response.