Checkout.com · Decline codes
What does Checkout.com 41204 “Decline list - Phone” mean?
Checked
Checkout.com 41204 "Decline list - Phone" means the phone number on the payment matches your client-level decline list. Checkout.com blocks the payment before it reaches the bank, so any card used with that phone number is refused until the entry is removed.
- Type
- Risk response (4xxxx)
- Who declined
- Your Checkout.com decline list (client level)
- Retry
- No, while the phone is listed
- Shopper action
- Contact the store
- Merchant action
- Review the phone entry on your list
What PlatformDTC does
PlatformDTC never reroutes Checkout.com 41204. 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 41204 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 number was listed because of past problems with orders using it.
What the shopper can do
Contact the store.
What the store can do
Check the entry; phone numbers can be shared or recycled, so stale entries can block new owners.
For developers
The payment carries response_code 41204 with a response_summary such as "Decline list - Phone". 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
- Does Checkout.com 41204 mean the card is bad?
- No. The phone number matched your list.
- Can phone blocks catch the wrong person?
- Yes, numbers get reassigned; review old entries.
Sources
- API response codes — Checkout.com
Related
- 41203 — The shopper's email address is on your client-level decline list.
- 41205 — The shopper's IP address is on your client-level decline list.
- 41202 — The card's bank range (BIN) 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.
- 42201 — The card number is on an entity-level decline list.
- 42301 — The fraud score was above an entity-level threshold.