diff --git a/packages/app-store/stripepayment/lib/PaymentService.ts b/packages/app-store/stripepayment/lib/PaymentService.ts
index 74e8927152..ec71326462 100644
--- a/packages/app-store/stripepayment/lib/PaymentService.ts
+++ b/packages/app-store/stripepayment/lib/PaymentService.ts
@@ -219,7 +219,8 @@ class StripePaymentService implements IAbstractPaymentService {
         bookingId,
         safeStringify(error)
       );
-      throw new Error("Stripe: Payment method could not be collected");
+
+      throw new ErrorWithCode(ErrorCode.CollectCardFailure, "Stripe: Payment method could not be collected");
     }
   }
 
diff --git a/packages/lib/errorCodes.ts b/packages/lib/errorCodes.ts
index d6f44ec92e..74a72ab3e9 100644
--- a/packages/lib/errorCodes.ts
+++ b/packages/lib/errorCodes.ts
@@ -9,7 +9,10 @@ export enum ErrorCode {
   // Domain-specific error codes
   PaymentCreationFailure = "payment_not_created_error",
   NoAvailableUsersFound = "no_available_users_found_error",
+  // Thrown when charging a card fails (e.g., insufficient funds, card declined during actual payment)
   ChargeCardFailure = "couldnt_charge_card_error",
+  // Thrown when collecting/verifying a payment method fails (e.g., card setup failed during HOLD payment flow)
+  CollectCardFailure = "couldnt_collect_card_error",
   RequestBodyWithouEnd = "request_body_end_time_internal_error",
   AlreadySignedUpForBooking = "already_signed_up_for_this_booking_error",
   FixedHostsUnavailableForBooking = "fixed_hosts_unavailable_for_booking",
diff --git a/packages/lib/server/getServerErrorFromUnknown.test.ts b/packages/lib/server/getServerErrorFromUnknown.test.ts
index 246ea2bcb7..f18b5181a1 100644
--- a/packages/lib/server/getServerErrorFromUnknown.test.ts
+++ b/packages/lib/server/getServerErrorFromUnknown.test.ts
@@ -20,6 +20,7 @@ const test400Codes = [
   ErrorCode.BookerLimitExceeded,
   ErrorCode.BookerLimitExceededReschedule,
   ErrorCode.ChargeCardFailure,
+  ErrorCode.CollectCardFailure,
 ];
 
 const test404Codes = [
diff --git a/packages/lib/server/getServerErrorFromUnknown.ts b/packages/lib/server/getServerErrorFromUnknown.ts
index 8009f23a7d..723d9d5836 100644
--- a/packages/lib/server/getServerErrorFromUnknown.ts
+++ b/packages/lib/server/getServerErrorFromUnknown.ts
@@ -151,6 +151,7 @@ export function getHttpStatusCode(cause: Error | ErrorWithCode): number {
     case ErrorCode.EventTypeNoHosts:
     case ErrorCode.RequestBodyInvalid:
     case ErrorCode.ChargeCardFailure:
+    case ErrorCode.CollectCardFailure:
       return 400;
     // 409 Conflict
     case ErrorCode.NoAvailableUsersFound: