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Checkout.com · Decline codes

What does Checkout.com 200R1 “Issuer initiated a stop payment (revocation order) for this authorization” mean?

Checked

Checkout.com 200R1 means the issuer placed a stop payment, a revocation order, on this authorization; Checkout.com adds that the cardholder canceled the subscription. Visa puts it in category 1, issuer will never approve. Stop charging this card for the plan and reach out to the customer if you want to win them back.

Type
Soft decline (20xxx)
Who declined
The cardholder, through their bank
Retry
No. Visa category 1: the issuer will never approve this card
Shopper action
Contact the store if they want to keep the subscription
Merchant action
Stop charging this card for this subscription

What PlatformDTC does

PlatformDTC classifies Checkout.com 200R1 as never retry. Checkout does not offer a backup processor for it, because the same card or the same details fail the same way everywhere. A subscription renewal declined with 200R1 is never retried: the subscription is held past due and the customer is emailed a link to add a new card.

Why it happens

The cardholder told their bank to stop paying this merchant's recurring charge.

What the shopper can do

If the cancellation was a mistake, sign up again with the store or update the payment method.

What the store can do

Cancel or pause the subscription for this card. Retrying is a Visa category 1 violation and invites disputes.

For developers

The payment comes back with status Declined, response_code 200R1 and a response_summary such as "Issuer initiated a stop payment (revocation order) for this authorization" (Checkout.com notes the text can vary by endpoint). Checkout.com's Visa table puts this code in category 1, which it pairs with recommendation code 03 (do not try again); read processing.recommendation_code on the response.

Frequently asked questions

Is Checkout.com 200R1 the same as Stripe revocation_of_authorization?
Yes in meaning: both are the bank's revocation order on a recurring authorization.
How is 200R1 different from 200R3?
200R1 stops this one authorization. 200R3 stops all authorizations from you on that card.

Sources

Related

Payments library