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C

Checkout Decline Codes

Checkout.com is a global payment processor providing a unified API for cards, digital wallets, and local payment methods.

74Total Codes
18Retryable
56Non-Retryable
Category:
Retryable:

Showing 74 of 74 codes

20001
Refer to Card Issuer
Soft Decline
Retryable

The issuer has declined the transaction and asks the cardholder to contact them. This is a generic referral response.

3 common causes
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20002
Refer to Card Issuer - Special Conditions
Soft Decline
Retryable

The issuer has declined the transaction under special conditions. The cardholder should contact their bank.

2 common causes
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20003
Invalid Merchant
Technical
Do Not Retry

The merchant ID or service provider configuration is invalid. This is typically a technical setup issue.

3 common causes
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20005
Declined - Do Not Honour
Soft Decline
Retryable

The issuer has declined the transaction without providing a specific reason. This is the most common decline code and covers a wide range of issuer-side rejections.

5 common causes
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20006
Error
Technical
Do Not Retry

The request contained invalid parameters. The issuer or gateway could not process the transaction as submitted.

3 common causes
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20009
Request in Progress
Technical
Retryable

The transaction is currently being processed. A duplicate request may have been submitted.

2 common causes
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20012
Invalid Transaction
Hard Decline
Do Not Retry

The issuer has rejected the transaction as invalid. The transaction type or parameters are not accepted.

3 common causes
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20013
Invalid Amount
Technical
Do Not Retry

The transaction amount is invalid or outside the acceptable range.

3 common causes
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20014
Invalid Account Number
Hard Decline
Do Not Retry

The card number provided is incorrect, invalid, or does not exist.

3 common causes
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20015
No Such Issuer
Soft Decline
Retryable

The card cannot be processed through the debit network. The transaction should be routed to the card's signature network instead.

2 common causes
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20051
Insufficient Funds
Soft Decline
Retryable

The cardholder's account does not have sufficient funds to complete the transaction.

3 common causes
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20054
Expired Card
Hard Decline
Do Not Retry

The card's expiration date has passed. The card is no longer valid for transactions.

2 common causes
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20055
Incorrect PIN
Soft Decline
Retryable

The PIN entered is incorrect or PIN validation could not be completed.

3 common causes
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20057
Transaction Not Permitted to Cardholder
Hard Decline
Do Not Retry

The issuer does not allow this type of transaction for this cardholder. This may be due to card restrictions or a restricted recipient BIN.

3 common causes
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20059
Suspected Fraud
Fraud/Security
Do Not Retry

The issuer has flagged this transaction as potentially fraudulent.

3 common causes
View details
20061
Activity Amount Limit Exceeded
Soft Decline
Retryable

The cardholder has exceeded their daily or periodic spending limit set by the issuer.

3 common causes
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20062
Restricted Card
Hard Decline
Do Not Retry

The card has been restricted by the issuer and cannot be used for this transaction.

3 common causes
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20068
Response Received Too Late
Technical
Retryable

The transaction timed out — the issuer or network did not respond within the allowed time.

3 common causes
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20087
Bad Track Data
Technical
Retryable

The card data provided is invalid. This typically indicates an incorrect CVV and/or expiry date.

3 common causes
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20091
Issuer Unavailable
Technical
Retryable

The issuer's system is unavailable or the network switch is inoperative. The transaction cannot be authorized at this time.

3 common causes
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20093
Violation of Law
Hard Decline
Do Not Retry

The transaction cannot be completed due to a violation of applicable law or regulation.

3 common causes
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20096
System Malfunction
Technical
Retryable

A system error occurred during transaction processing. This is a temporary technical failure.

2 common causes
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20100
Invalid Expiry Date
Technical
Do Not Retry

The expiration date provided is in an invalid format or does not match the card on file.

2 common causes
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20101
No Account
Hard Decline
Do Not Retry

The card number does not correspond to any known account, or the token is invalid.

3 common causes
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20102
Invalid Merchant ID
Technical
Do Not Retry

The merchant ID or wallet ID is invalid or not recognized.

2 common causes
View details
20103
Card Type Not Supported
Hard Decline
Do Not Retry

The card type or payment method is not supported by this merchant or configuration.

3 common causes
View details
20104
Gateway Reject - Invalid Transaction
Technical
Do Not Retry

The payment gateway rejected the transaction due to invalid transaction data.

2 common causes
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20105
Gateway Reject - Violation
Technical
Do Not Retry

The payment gateway rejected the transaction due to a policy or rule violation.

2 common causes
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20150
Card Not 3D Secure Enabled
Soft Decline
Retryable

The card is not enrolled in 3D Secure and the transaction requires authentication.

2 common causes
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20151
Cardholder Failed 3DS Authentication
Soft Decline
Retryable

The cardholder did not successfully complete the 3D Secure authentication challenge.

3 common causes
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20152
3DS Transaction Timed Out
Soft Decline
Retryable

The initial 3D Secure transaction was not completed within the 15-minute time limit.

3 common causes
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20153
3DS System Malfunction
Technical
Retryable

The 3D Secure authentication system experienced a technical failure.

2 common causes
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20154
3DS Authentication Required
Soft Decline
Retryable

The transaction requires 3D Secure authentication to proceed. The payment was not submitted with 3DS.

3 common causes
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30004
Pick Up Card
Hard Decline
Do Not Retry

The issuer has requested that the card be retained. No fraud is indicated, but the card should not be used.

3 common causes
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30007
Pick Up Card - Special Conditions
Hard Decline
Do Not Retry

The issuer has requested the card be retained under special conditions.

2 common causes
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30015
No Such Issuer
Hard Decline
Do Not Retry

The card number does not correspond to a known issuer. The card number may be incorrect or the card is invalid.

3 common causes
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30016
Issuer Does Not Allow Online Gambling Payout
Hard Decline
Do Not Retry

The issuing bank does not permit online gambling payouts to this card.

2 common causes
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30017
Issuer Does Not Allow Original Credit Transaction
Hard Decline
Do Not Retry

The issuing bank does not allow original credit transactions (OCTs) to this card.

2 common causes
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30018
Issuer Does Not Allow Money Transfer Payout
Hard Decline
Do Not Retry

The issuing bank does not permit money transfer payouts to this card.

1 common causes
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30019
Issuer Does Not Allow Non-Money Transfer Payout
Hard Decline
Do Not Retry

The issuing bank does not allow non-money transfer payouts to this card.

1 common causes
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30020
Invalid Amount
Hard Decline
Do Not Retry

The transaction amount is invalid or not accepted by the issuer.

3 common causes
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30021
Total Amount Limit Reached
Hard Decline
Do Not Retry

The issuer's total cumulative amount limit has been reached for this card or account.

2 common causes
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30022
Total Transaction Count Limit Reached
Hard Decline
Do Not Retry

The issuer's total transaction count limit has been reached for this card or account.

2 common causes
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30033
Expired Card - Pick Up
Hard Decline
Do Not Retry

The card has expired and the issuer requests it be retained.

2 common causes
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30034
Suspected Fraud - Pick Up
Fraud/Security
Do Not Retry

The issuer suspects fraud and requests the card be retained. Do not retry.

2 common causes
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30043
Stolen Card - Pick Up
Fraud/Security
Do Not Retry

The card has been reported stolen. The issuer requests it be retained. Do not retry.

2 common causes
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30044
Transaction Rejected - AMLD5
Hard Decline
Do Not Retry

The transaction was rejected because an anonymous prepaid card was used for a transaction exceeding 50 EUR, violating the Anti-Money Laundering Directive (AMLD5).

2 common causes
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30046
Closed Account
Hard Decline
Do Not Retry

The bank account associated with this card has been closed.

2 common causes
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41101
Risk Blocked Transaction
Fraud/Security
Do Not Retry

The transaction was blocked by a client-level risk rule configured in your Checkout.com account.

2 common causes
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41201
Decline List - Card Number
Fraud/Security
Do Not Retry

The card number is on your client-level decline list.

2 common causes
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41202
Decline List - BIN
Fraud/Security
Do Not Retry

The card BIN (first 6–8 digits) is on your client-level decline list.

2 common causes
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41203
Decline List - Email Address
Fraud/Security
Do Not Retry

The customer's email address is on your client-level decline list.

2 common causes
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41204
Decline List - Phone Number
Fraud/Security
Do Not Retry

The customer's phone number is on your client-level decline list.

2 common causes
View details
41205
Decline List - IP Address
Fraud/Security
Do Not Retry

The payment IP address is on your client-level decline list.

3 common causes
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41206
Decline List - Email Domain
Fraud/Security
Do Not Retry

The customer's email domain is on your client-level decline list.

2 common causes
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41301
Fraud Score Exceeds Threshold
Fraud/Security
Do Not Retry

The transaction's fraud risk score exceeded your client-level threshold.

2 common causes
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42101
Risk Blocked Transaction (Entity)
Fraud/Security
Do Not Retry

The transaction was blocked by an entity-level risk rule.

1 common causes
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42201
Decline List - Card Number (Entity)
Fraud/Security
Do Not Retry

The card number is on the entity-level decline list managed by Checkout.com.

1 common causes
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42202
Decline List - BIN (Entity)
Fraud/Security
Do Not Retry

The card BIN is on the entity-level decline list.

1 common causes
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42203
Decline List - Email Address (Entity)
Fraud/Security
Do Not Retry

The email address is on the entity-level decline list.

1 common causes
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42204
Decline List - Phone Number (Entity)
Fraud/Security
Do Not Retry

The phone number is on the entity-level decline list.

1 common causes
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42205
Decline List - IP Address (Entity)
Fraud/Security
Do Not Retry

The IP address is on the entity-level decline list.

1 common causes
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42206
Decline List - Email Domain (Entity)
Fraud/Security
Do Not Retry

The email domain is on the entity-level decline list.

1 common causes
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42301
Fraud Score Exceeds Threshold (Entity)
Fraud/Security
Do Not Retry

The transaction's fraud risk score exceeded the entity-level threshold.

1 common causes
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43101
Potential Fraud Risk
Fraud/Security
Do Not Retry

Checkout.com's fraud detection identified a high risk score for this transaction.

2 common causes
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43102
Risk Blocked Transaction (Checkout.com)
Fraud/Security
Do Not Retry

The transaction was blocked by a Checkout.com-level decline rule or fraud model.

2 common causes
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43201
Decline List - Card Number (Checkout.com)
Fraud/Security
Do Not Retry

The card number is on Checkout.com's platform-level decline list.

1 common causes
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43202
Decline List - BIN (Checkout.com)
Fraud/Security
Do Not Retry

The card BIN is on Checkout.com's platform-level decline list.

1 common causes
View details
43203
Decline List - Email Address (Checkout.com)
Fraud/Security
Do Not Retry

The email address is on Checkout.com's platform-level decline list.

1 common causes
View details
43204
Decline List - Phone Number (Checkout.com)
Fraud/Security
Do Not Retry

The phone number is on Checkout.com's platform-level decline list.

1 common causes
View details
43205
Decline List - IP Address (Checkout.com)
Fraud/Security
Do Not Retry

The IP address is on Checkout.com's platform-level decline list.

1 common causes
View details
43206
Decline List - Email Domain (Checkout.com)
Fraud/Security
Do Not Retry

The email domain is on Checkout.com's platform-level decline list.

1 common causes
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43301
Fraud Score Exceeds Threshold (Checkout.com)
Fraud/Security
Do Not Retry

The transaction's fraud risk score exceeded Checkout.com's platform-level threshold.

1 common causes
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44301
3DS Authentication Required (Risk)
Fraud/Security
Retryable

The Checkout.com risk engine requires 3D Secure authentication for this transaction to proceed.

2 common causes
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