C
Checkout.comCheckout 30044
Transaction Rejected - AMLD5
Hard Decline
Permanent failures that should not be retried
Do Not Retry
Retry will not succeed
Description
The transaction was rejected because an anonymous prepaid card was used for a transaction exceeding 50 EUR, violating the Anti-Money Laundering Directive (AMLD5).
Recommended Action
Do not retry. Request a different payment method that meets regulatory requirements.
Common Causes
- Anonymous prepaid card used above the 50 EUR AMLD5 threshold
- Regulatory compliance check failed
Recovery Tips
- Request a non-anonymous payment method from the customer
- Inform the customer about the regulatory limitation
Quick Reference
Code
30044
Category
Hard Decline
Retryable
No
Source
Checkout
Recoverability verdict
Retrying 30044 will not work
This is a hard decline. Retrying code 30044 will not recover the payment. But most merchants seeing this code also have soft declines they are not recovering. Check what your retry strategy is leaving behind.
Related Decline Codes
20003Non-Retryable
Invalid Merchant
The merchant ID or service provider configuration is invalid. This is typically a technical setup issue.
20006Non-Retryable
Error
The request contained invalid parameters. The issuer or gateway could not process the transaction as submitted.
20012Non-Retryable
Invalid Transaction
The issuer has rejected the transaction as invalid. The transaction type or parameters are not accepted.
20013Non-Retryable
Invalid Amount
The transaction amount is invalid or outside the acceptable range.