C
Checkout.comCheckout 44301
3DS Authentication Required (Risk)
Fraud/Security
Suspected fraudulent activity or security blocks
Retryable
This decline may succeed on retry
Description
The Checkout.com risk engine requires 3D Secure authentication for this transaction to proceed.
Recommended Action
Retry the transaction with 3D Secure authentication enabled.
Common Causes
- Risk assessment determined authentication is needed
- Transaction risk level requires additional verification
Recovery Tips
- Enable 3D Secure authentication in your payment flow
- Retry with 3DS to satisfy the risk requirement
Quick Reference
Code
44301
Category
Fraud/Security
Retryable
Yes
Source
Checkout
Recoverability verdict
44301 is often recoverable
Payments failing with code 44301 are often recoverable with the right retry timing and routing. Slicker recovers up to 70% of soft declines with smart retries.
Related Decline Codes
20001Retryable
Refer to Card Issuer
The issuer has declined the transaction and asks the cardholder to contact them. This is a generic referral response.
20002Retryable
Refer to Card Issuer - Special Conditions
The issuer has declined the transaction under special conditions. The cardholder should contact their bank.
20005Retryable
Declined - Do Not Honour
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.
20009Retryable
Request in Progress
The transaction is currently being processed. A duplicate request may have been submitted.