Checkout.com · Decline codes
What does Checkout.com 30034 “Suspected fraud - Pick up” mean?
Checked
Checkout.com 30034 "Suspected fraud - Pick up" is a hard decline: the bank suspects fraud and wants the card taken out of use. Checkout.com tells the shopper to contact their bank, and for payouts says not to reattempt. Do not retry, and be wary if the same visitor moves on to other cards.
- Type
- Hard decline (30xxx)
- Who declined
- The shopper's card issuer
- Retry
- Possibly. Visa category 4 (generic): at most 15 retries in 30 days
- Shopper action
- Contact the bank
- Merchant action
- Do not retry; review the order and any related attempts
What PlatformDTC does
PlatformDTC never reroutes Checkout.com 30034. Fraud and risk refusals stay refused on every processor the store has connected, which keeps PayPal card fields from becoming a side door. A subscription renewal declined with 30034 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 issuer believes the card is being used fraudulently.
What the shopper can do
If you are the real cardholder, call your bank.
What the store can do
Stop. Do not retry the card, and check for other attempts from the same visitor or device.
For developers
The payment comes back with status Declined, response_code 30034 and a response_summary such as "Suspected fraud - Pick up" (Checkout.com notes the text can vary by endpoint). Checkout.com's Visa table puts this code in category 4, which it pairs with recommendation code 02 (try again later); read processing.recommendation_code on the response.
Frequently asked questions
- Can Checkout.com 30034 be retried?
- No. Checkout.com says not to reattempt for payouts, and the hard-decline range means retries will not help.
- Should I block the customer after 30034?
- Look at the context: several cards tried in a row is a strong card-testing signal.
Sources
- API response codes — Checkout.com
- Visa response codes — Checkout.com
- Mapping to Visa system integrity fee categories — Adyen
Related
- 41101 — Blocked by one of your own client-level risk rules in Checkout.com.
- 41201 — The card number is on your client-level decline list.
- 41202 — The card's bank range (BIN) is on your client-level decline list.
- 30035 — The bank withdrew the card and refers the merchant to its acquirer.
- 30036 — The card is restricted and the bank wants it withdrawn.
- 30037 — The bank withdrew the card and asks the acquirer's security team to call.
- 30041 — The card was reported lost. Never retry it.
- 30043 — The card was reported stolen. Never retry, and be careful with the order.