4xx errors are no better or worse than 5xx. They just mean different things.
Generally, 4xx errors means 'Client screwed up'. There's probably no point sending this message again, it isn't going to work until something is fixed. That might mean it will work if, for example, the account is funded or card unlocked. But something needs to be done on behalf of the client.
5xx errors mean 'Server screwed up'. It probably _is_ worth having another attempt at sending the request. Maybe it was a temporary glitch, or maybe a new release of the server has to happen. Regardless, there was probably nothing inherently wrong with the actual request.
Generally, 4xx errors means 'Client screwed up'. There's probably no point sending this message again, it isn't going to work until something is fixed. That might mean it will work if, for example, the account is funded or card unlocked. But something needs to be done on behalf of the client.
5xx errors mean 'Server screwed up'. It probably _is_ worth having another attempt at sending the request. Maybe it was a temporary glitch, or maybe a new release of the server has to happen. Regardless, there was probably nothing inherently wrong with the actual request.