Checkout.com · Decline codes
What does Checkout.com 30046 “Closed account” mean?
Checked
Checkout.com 30046 "Closed account" means the account behind the card is closed. Checkout.com tells the shopper to contact their bank. Visa lists it in category 1, issuer will never approve, so the card must not be retried; for subscriptions, ask the customer for a new 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; ask for a new payment method
What PlatformDTC does
PlatformDTC classifies Checkout.com 30046 as never retry. Checkout does not offer a backup processor for it, because the same card or the same details fail the same way everywhere. A subscription renewal declined with 30046 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 or the bank closed the account. The card number is dead.
What the shopper can do
Use a current card.
What the store can do
Stop billing this card and send the customer a link to update their payment method.
For developers
The payment comes back with status Declined, response_code 30046 and a response_summary such as "Closed account" (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
- Can Checkout.com 30046 be retried?
- No. Visa category 1 means the issuer will never approve.
- Is a closed account the same as an expired card?
- No. An expired card can be replaced on the same account; a closed account is gone.
Sources
- API response codes — Checkout.com
- Visa response codes — Checkout.com
- Mapping to Visa system integrity fee categories — Adyen
Related
- 30044 — An anonymous prepaid card cannot pay more than 50 EUR under EU anti-money-laundering rules.
- 30043 — The card was reported stolen. Never retry, and be careful with the order.
- 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.