Will another card get past Checkout.com 41203?

No. The block is on the email, not the card.

Who maintains the list behind 41203?

You do, at client level in Checkout.com.

Checkout.com · Decline codes

What does Checkout.com 41203 “Decline list - Email address” mean?

Checked October 31, 2026

Checkout.com 41203 "Decline list - Email address" means the email used at checkout is on your client-level decline list, so Checkout.com blocked the payment regardless of the card. Changing cards will not help the shopper; only removing the email from the list will.

Type: Risk response (4xxxx)
Who declined: Your Checkout.com decline list (client level)
Retry: No, while the email is listed
Shopper action: Contact the store
Merchant action: Check whether the email was listed on purpose

What PlatformDTC does

In PlatformDTC's routing table 41203 from Checkout.com is a fraud stop: checkout offers no backup processor and no automatic retry, so a blocked payment cannot slip through another route. A subscription renewal declined with 41203 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 email was listed after earlier fraud, abuse or chargebacks.

What the shopper can do

Reach out to the store if you think this is wrong.

What the store can do

Confirm the listing is intended. Remove it if a genuine customer was caught.

For developers

The payment carries response_code 41203 with a response_summary such as "Decline list - Email address". 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

Will another card get past Checkout.com 41203?: No. The block is on the email, not the card.
Who maintains the list behind 41203?: You do, at client level in Checkout.com.

Sources

API response codes — Checkout.com