Checkout.com · Decline codes
What does Checkout.com 30044 “Transaction rejected - AMLD5” mean?
Checked
Checkout.com 30044 "Transaction rejected - AMLD5" means the payment came from an anonymous, non-reloadable prepaid card for more than 50 EUR. Under the EU's AMLD5 directive, Checkout.com says, the transaction cannot be fulfilled. The shopper needs a different card or payment method for this amount.
- Type
- Hard decline (30xxx)
- Who declined
- EU rules applied by the network
- Retry
- Possibly. Visa category 4 (generic): at most 15 retries in 30 days
- Shopper action
- Use a regular card or another payment method
- Merchant action
- Offer another payment method for orders above 50 EUR
What PlatformDTC does
PlatformDTC treats 30044 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 30044 is never retried: the subscription is held past due and the customer is emailed a link to add a new card.
Why it happens
AMLD5 limits anonymous prepaid cards; above 50 EUR the payment must be refused.
What the shopper can do
Pay with a personal debit or credit card, or another method.
What the store can do
Expect it on larger orders paid with gift-style prepaid cards, and make other methods easy to pick.
For developers
The payment comes back with status Declined, response_code 30044 and a response_summary such as "Transaction rejected - AMLD5" (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
- What is AMLD5 in Checkout.com 30044?
- The EU's fifth anti-money-laundering directive, which Checkout.com cites as the reason.
- Would a smaller order pass?
- Checkout.com describes the rule as applying above 50 EUR.
Sources
- API response codes — Checkout.com
- Visa response codes — Checkout.com
- Mapping to Visa system integrity fee categories — Adyen
Related
- 30043 — The card was reported stolen. Never retry, and be careful with the order.
- 30046 — The card's account is closed. Never retry.
- 30041 — The card was reported lost. Never retry it.
- 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.
- 41204 — The shopper's phone number is on your client-level decline list.