Checkout.com · Decline codes
What does Checkout.com 41205 “Decline list - Payment IP” mean?
Checked
Checkout.com 41205 "Decline list - Payment IP" means the IP address the payment came from is on your client-level decline list. Checkout.com refuses it before the bank is asked. IP blocks are blunt: offices, mobile carriers and public Wi-Fi share addresses among many people.
- Type
- Risk response (4xxxx)
- Who declined
- Your Checkout.com decline list (client level)
- Retry
- No, while the IP is listed
- Shopper action
- Try from another network or contact the store
- Merchant action
- Review IP entries; shared IPs block many people
What PlatformDTC does
PlatformDTC treats Checkout.com 41205 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 41205 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 IP was listed after fraud or card-testing traffic from it.
What the shopper can do
Contact the store, or try again from a different connection.
What the store can do
Keep IP entries short-lived and specific; remove them once an attack has stopped.
For developers
The payment carries response_code 41205 with a response_summary such as "Decline list - Payment IP". 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
- Why would a genuine buyer hit Checkout.com 41205?
- They may share an IP with the source of earlier abuse, for example on mobile data.
- Is 41205 decided by the bank?
- No. Your decline list decided it.
Sources
- API response codes — Checkout.com
Related
- 41204 — The shopper's phone number is on your client-level decline list.
- 41206 — The email domain is on your client-level decline list.
- 41203 — The shopper's email address 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.
- 43101 — Checkout.com itself declined the payment as high risk.