Checkout.com · Decline codes
What does Checkout.com 42201 “Decline list - Card number” mean?
Checked
Checkout.com 42201 "Decline list - Card number" means the card is on an entity-level decline list, so Checkout.com blocked the payment. Checkout.com also has entity-level lists for BIN (42202), email (42203), phone (42204), IP (42205) and email domain (42206), each working the same way for its own field.
- Type
- Risk response (4xxxx)
- Who declined
- An entity-level Checkout.com decline list
- Retry
- No, while the card is listed
- Shopper action
- Use another card or contact the store
- Merchant action
- Check the entity's decline list
What PlatformDTC does
In PlatformDTC's routing table 42201 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 42201 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 card was added to the decline list kept for this entity.
What the shopper can do
Use a different card.
What the store can do
Review the entity-level list alongside your client-level list (41201) so they do not contradict each other.
For developers
The payment carries response_code 42201 with a response_summary such as "Decline list - Card number". 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
- What are the other 422xx codes?
- Entity-level decline lists for BIN, email address, phone, payment IP and email domain.
- Can another card pass after Checkout.com 42201?
- Yes, unless another list or rule blocks it.
Sources
- API response codes — Checkout.com
Related
- 42101 — Blocked by an entity-level risk rule in Checkout.com.
- 42301 — The fraud score was above an entity-level threshold.
- 41301 — The payment's fraud score was above the threshold you set.
- 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.
- 43205 — The shopper's IP is on Checkout.com's own decline list.