Checkout.com · Decline codes
What does Checkout.com 42301 “Fraud score exceeds threshold” mean?
Checked
Checkout.com 42301 "Fraud score exceeds threshold" means the payment's risk score was above a threshold set at entity level, so it was declined. The scoring is the same as for 41301; what differs is where the threshold lives in your Checkout.com setup.
- Type
- Risk response (4xxxx)
- Who declined
- An entity-level Checkout.com threshold
- Retry
- Not unless the threshold or risk changes
- Shopper action
- Try another method or contact the store
- Merchant action
- Review the entity's threshold
What PlatformDTC does
PlatformDTC never reroutes Checkout.com 42301. 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 42301 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 payment's risk signals produced a score above the entity's limit.
What the shopper can do
Contact the store, or use another payment method.
What the store can do
Compare entity and client thresholds; a stricter entity setting can quietly reject good orders.
For developers
The payment carries response_code 42301 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
- Where is the 42301 threshold set?
- At entity level in Checkout.com's Fraud Detection.
- Is Checkout.com 42301 a bank decline?
- No. It is a risk decision before the bank is asked.
Sources
- API response codes — Checkout.com
Related
- 42201 — The card number is on an entity-level decline list.
- 43101 — Checkout.com itself declined the payment as high risk.
- 42101 — Blocked by an entity-level risk rule in Checkout.com.
- 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.
- 43301 — Checkout.com's Autopilot declined the payment for a high fraud score.