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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

Related

Payments library