Checkout.com · Decline codes
What does Checkout.com 30043 “Stolen card - Pick up” mean?
Checked
Checkout.com 30043 "Stolen card - Pick up" means the bank declined because the card has been reported stolen. Checkout.com says: for a one-off payment do not retry and, if possible, do not provide goods; for a recurring payment the card may have been lost after the last success, so ask the customer to update their payment method.
- 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
- Merchant action
- Never retry; for subscriptions ask the customer to update their card
What PlatformDTC does
In PlatformDTC's routing table Checkout.com 30043 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 30043 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 reported the card stolen. Every new attempt is refused.
What the shopper can do
If this is your card, use your replacement card.
What the store can do
One-off order: stop, and treat the attempt as suspect. Subscription: contact the customer for new card details, as Checkout.com advises.
For developers
The payment comes back with status Declined, response_code 30043 and a response_summary such as "Stolen card - Pick up" (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 30043 the same as Stripe stolen_card?
- Yes in meaning: Stripe documents stolen_card as declined because the card is reported stolen.
- Why does Checkout.com treat recurring payments differently for 30043?
- A real subscriber may have had the card stolen after their last successful payment, so the right step is asking them for a new card.
Sources
- API response codes — Checkout.com
- Visa response codes — Checkout.com
- Mapping to Visa system integrity fee categories — Adyen
- Decline codes — Stripe
Related
- 30041 — The card was reported lost. Never retry it.
- 30044 — An anonymous prepaid card cannot pay more than 50 EUR under EU anti-money-laundering rules.
- 30037 — The bank withdrew the card and asks the acquirer's security team to call.
- 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.
- 41202 — The card's bank range (BIN) is on your client-level decline list.
- 41203 — The shopper's email address is on your client-level decline list.