Checkout.com · Decline codes
What does Checkout.com 30037 “Call acquirer security - Pick up” mean?
Checked
Checkout.com 30037 "Call acquirer security - Pick up" is a hard decline asking the merchant's acquirer security team to get in touch, with the card to be withdrawn. Checkout.com's shopper message is to try a different card or contact the bank. Treat it as a security warning about this card.
- 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
- Use another card
- Merchant action
- Do not retry; review the order
What PlatformDTC does
PlatformDTC treats 30037 from Checkout.com as final for that card. Checkout will not move the payment to a backup processor; the shopper needs a different card or corrected details. A subscription renewal declined with 30037 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 has a security concern about the card and routes it to the acquirer's security team.
What the shopper can do
Pay with another card and contact the bank.
What the store can do
Stop using the card. If the order looks suspicious, do not fulfil a follow-up payment without review.
For developers
The payment comes back with status Declined, response_code 30037 and a response_summary such as "Call acquirer security - 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
- Is Checkout.com 30037 a fraud flag?
- It is a security pick-up instruction; the bank does not spell out fraud, but treat it with care.
- Can I retry 30037?
- No.
Sources
- API response codes — Checkout.com
- Visa response codes — Checkout.com
- Mapping to Visa system integrity fee categories — Adyen
Related
- 30036 — The card is restricted and the bank wants it withdrawn.
- 30041 — The card was reported lost. Never retry it.
- 30035 — The bank withdrew the card and refers the merchant to its acquirer.
- 30043 — The card was reported stolen. Never retry, and be careful with the order.
- 30044 — An anonymous prepaid card cannot pay more than 50 EUR under EU anti-money-laundering rules.
- 30046 — The card's account is closed. Never retry.
- 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.