Checkout.com · Decline codes
What does Checkout.com 41301 “Fraud score exceeds threshold” mean?
Checked
Checkout.com 41301 "Fraud score exceeds threshold" means the payment was declined because its risk score was above the client-level threshold set for your account. Checkout.com's fraud tools scored it as too risky, and your setting turned that score into a decline. The bank never saw the payment.
- Type
- Risk response (4xxxx)
- Who declined
- Your Checkout.com fraud score threshold (client level)
- Retry
- Not unless the risk picture or threshold changes
- Shopper action
- Try another method or contact the store
- Merchant action
- Review the threshold and the payment's risk details
What PlatformDTC does
PlatformDTC never reroutes Checkout.com 41301. 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 41301 is never retried: the subscription is held past due and the customer is emailed a link to add a new card.
Why it happens
Signals such as device, location, velocity and card history added up to a score above your limit.
What the shopper can do
Contact the store, or pay another way.
What the store can do
Look at the fraud assessment. If good orders are blocked often, your threshold may be too strict.
For developers
The payment carries response_code 41301 with a response_summary such as "Fraud score exceeds threshold". 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
- Who set the threshold in Checkout.com 41301?
- It is a client-level setting in your Checkout.com risk strategy.
- Is 41301 the same as 43301?
- 43301 is a Checkout.com-level decline by Autopilot; 41301 comes from your own threshold.
Sources
- API response codes — Checkout.com
Related
- 41206 — The email domain is on your client-level decline list.
- 42101 — Blocked by an entity-level risk rule in Checkout.com.
- 41205 — The shopper's IP address is on your client-level decline list.
- 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.
- 43102 — Blocked by a Checkout.com decline rule or fraud model, named in the summary.
- 43201 — The card is on Checkout.com's own decline list.