Checkout.com · Decline codes
What does Checkout.com 41201 “Decline list - Card number” mean?
Checked
Checkout.com 41201 "Decline list - Card number" means the card number is on a client-level decline list in your Checkout.com account, so the payment was blocked. Checkout.com suggests opening the payment's fraud assessment in the Dashboard for detail. Nothing will change until the card is taken off the list.
- Type
- Risk response (4xxxx)
- Who declined
- Your Checkout.com decline list (client level)
- Retry
- No, while the card is on the list
- Shopper action
- Use another card or contact the store
- Merchant action
- Remove the card from the list if it was added in error
What PlatformDTC does
PlatformDTC never reroutes Checkout.com 41201. 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 41201 is never retried: the subscription is held past due and the customer is emailed a link to add a new card.
Why it happens
Someone on your team, or an automated process, added this card to the decline list, often after a chargeback or fraud.
What the shopper can do
Use a different card, or contact the store.
What the store can do
Check why the card was listed. If it was a mistake, remove it; if not, the block is doing its job.
For developers
The payment carries response_code 41201 with a response_summary such as "Decline list - Card number". For 4xxxx codes Checkout.com says the response_code and status depend on the action set in your Fraud Detection risk strategies, so check the payment's fraud assessment in the Dashboard (Payments > Processing > All payments, then the Payment timeline).
Frequently asked questions
- Can the shopper fix Checkout.com 41201?
- Only by using another card; the list is the merchant's.
- Where do I see why 41201 fired?
- In the Dashboard: Payments > Processing > All payments, the payment, then the fraud assessment in the Payment timeline.
Sources
- API response codes — Checkout.com
Related
- 41101 — Blocked by one of your own client-level risk rules in Checkout.com.
- 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.
- 41205 — The shopper's IP address is on your client-level decline list.
- 41206 — The email domain is on your client-level decline list.
- 41301 — The payment's fraud score was above the threshold you set.