Checkout.com · Decline codes
What does Checkout.com 30004 “Pick up card (No fraud)” mean?
Checked
Checkout.com 30004 "Pick up card (No fraud)" is a hard decline: the bank wants the card taken out of circulation, though it is not flagging fraud. Checkout.com tells the shopper to try a different card or contact the bank. Visa puts it in category 1, issuer will never approve, so this card should not be retried.
- Type
- Hard decline (30xxx)
- Who declined
- The shopper's card issuer
- Retry
- No. Visa category 1: the issuer will never approve this card
- Shopper action
- Use another card and contact the bank
- Merchant action
- Never retry this card
What PlatformDTC does
In PlatformDTC's routing table Checkout.com 30004 is a never-retry decline: no automatic second attempt and no reroute to PayPal card fields, since retrying the same card only adds refusals to the store's record. A subscription renewal declined with 30004 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The bank has withdrawn the card, for example closed or replaced, and tells merchants to pick it up.
What the shopper can do
Use another card. The bank can explain why the card was withdrawn.
What the store can do
Ask for another payment method. Online stores cannot hold the physical card; just stop using it.
For developers
The payment comes back with status Declined, response_code 30004 and a response_summary such as "Pick up card (No fraud)" (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
- Does 30004 mean the shopper is a fraudster?
- No. The response text says no fraud; the card is withdrawn for other reasons.
- Can Checkout.com 30004 be retried?
- No. It is Visa category 1, issuer will never approve.
Sources
- API response codes — Checkout.com
- Visa response codes — Checkout.com
- Mapping to Visa system integrity fee categories — Adyen
- Decline codes — Stripe
Related
- 30007 — The bank withdrew the card under special conditions. Never retry.
- 30015 — The card number does not belong to any known bank. Usually a typo.
- 30020 — The payment amount was not valid.
- 30021 — The card has reached its total spending limit.
- 30022 — The card has reached its limit on the number of transactions.
- 30033 — The card is expired and the bank wants it taken out of use.