Checkout.com · Decline codes
What does Checkout.com 41202 “Decline list - BIN” mean?
Checked
Checkout.com 41202 "Decline list - BIN" means the card's BIN, the first digits that identify the issuing bank and card type, is on your client-level decline list. Every card in that range is blocked, so this is a broad rule: good customers with the same bank's cards are refused too.
- Type
- Risk response (4xxxx)
- Who declined
- Your Checkout.com decline list (client level)
- Retry
- No, while the BIN is listed
- Shopper action
- Use a card from a different bank
- Merchant action
- Review the BIN list for over-broad entries
What PlatformDTC does
PlatformDTC treats Checkout.com 41202 as a fraud stop. The payment is never moved to PayPal card fields or any other processor, because shopping a fraud signal around to a second processor is exactly what card testers do. A subscription renewal declined with 41202 is never retried: the subscription is held past due and the customer is emailed a link to add a new card.
Why it happens
Merchants list BINs to stop card types or banks linked to fraud, such as certain prepaid ranges.
What the shopper can do
Use a card from a different bank.
What the store can do
Make sure each BIN entry is still justified; a wide BIN block can turn away many genuine buyers.
For developers
The payment carries response_code 41202 with a response_summary such as "Decline list - BIN". 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
- What is a BIN in Checkout.com 41202?
- The leading digits of a card number that identify the bank and card product.
- Is 41202 a bank decline?
- No. Your own decline list blocked it.
Sources
- API response codes — Checkout.com
Related
- 41201 — The card number is on your client-level decline list.
- 41203 — The shopper's email address is on your client-level decline list.
- 41101 — Blocked by one of your own client-level risk rules in Checkout.com.
- 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.
- 42101 — Blocked by an entity-level risk rule in Checkout.com.