Checkout.com · Decline codes
What does Checkout.com 42101 “Risk Blocked Transaction” mean?
Checked
Checkout.com 42101 "Risk Blocked Transaction" means an entity-level risk rule declined the payment. Entity level sits below your client account, for example rules set for one business entity. Checkout.com points to the payment's fraud assessment in the Dashboard for detail.
- Type
- Risk response (4xxxx)
- Who declined
- An entity-level Checkout.com risk rule
- Retry
- Not until the rule changes
- Shopper action
- Try another method or contact the store
- Merchant action
- Check the rule set for that entity
What PlatformDTC does
PlatformDTC treats Checkout.com 42101 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 42101 is never retried: the subscription is held past due and the customer is emailed a link to add a new card.
Why it happens
A rule configured for the processing entity matched the payment.
What the shopper can do
Contact the store or use another payment method.
What the store can do
Open the fraud assessment to see which entity rule fired and whether it should.
For developers
The payment carries response_code 42101 with a response_summary such as "Risk Blocked Transaction". 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
- How is Checkout.com 42101 different from 41101?
- Same response text; 41101 is a client-level rule, 42101 an entity-level rule.
- Did the bank refuse 42101?
- No. A Checkout.com risk rule did.
Sources
- API response codes — Checkout.com
Related
- 41301 — The payment's fraud score was above the threshold you set.
- 42201 — The card number is on an entity-level decline list.
- 41206 — The email domain is on your client-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.
- 43202 — The card's BIN is on Checkout.com's own decline list.