# Elevated error rates with some U.S. business Mastercards

- Provider: [OpenAI](https://down.guide/providers/openai)
- Confidence: Confirmed
- Impact: Operational
- lasted 3d 21h
- started 2026-11-06 18:38 UTC
- id: DWN-a701810e96
- Official page: https://status.openai.com/incidents/01M6S2FV5TZWQ753NHRB7BF5K7

## Summary
OpenAI says some U.S. business Mastercards are seeing payment declines, which can prevent API automatic recharges and one-time credit purchases. The provider has applied a mitigation and is monitoring the affected services to confirm recovery.

_Written by anthropic/claude-haiku-5.5 from OpenAI's own updates._

## Updates from OpenAI
### 2026-11-06 18:38 UTC: identified
Investigating — We’re seeing payment declines on some U.S. business Mastercards. Affected cards have numbers beginning with 544015, 546400, 543502, 543799, or 512998. Some cards beginning with 513989 are also affected.
For API customers, this can prevent automatic recharges and one-time credit purchases. If your prepaid balance runs out, your API requests may fail.
If you use one of these cards, we recommend adding a card from a different issuer before your next payment, even if you haven’t seen a decline. If an API credit purchase has already failed, use the new card to retry the purchase.
We’re working with our payment partners and will share updates here.

### 2026-11-06 18:50 UTC: identified
Investigating — We’re seeing payment declines on some U.S. business Mastercards. Affected cards have numbers beginning with 544015, 546400, 543502, 543799, or 512998. Some cards beginning with 513989 are also affected.
For API customers, this can prevent automatic recharges and one-time credit purchases. If your prepaid balance runs out, your API requests may fail.
If you use one of these cards, we recommend adding a card from a different issuer before your next payment, even if you haven’t seen a decline. If an API credit purchase has already failed, use the new card to retry the purchase.
We’re working with our payment partners and will share updates here.

### 2026-11-07 01:29 UTC: monitoring
We’ve applied a mitigation and are monitoring the affected services to confirm recovery.

### 2026-11-10 16:06 UTC: resolved
All affected services are operating normally again. We’re sorry for the disruption, and we appreciate your patience.

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