Checkout.com · Decline codes
What does Checkout.com 43101 “Potential fraud risk” mean?
Checked
Checkout.com 43101 "Potential fraud risk" means Checkout.com declined the payment at its own level because it had a high risk score. Your rules did not cause it; Checkout.com's platform-wide checks did. The shopper's bank never received the request, so a call to the bank will not change the result.
- Type
- Risk response (4xxxx)
- Who declined
- Checkout.com's own risk checks
- Retry
- No automatic retry
- Shopper action
- Use another payment method or contact the store
- Merchant action
- Contact Checkout.com if genuine orders are affected
What PlatformDTC does
PlatformDTC treats Checkout.com 43101 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 43101 is never retried: the subscription is held past due and the customer is emailed a link to add a new card.
Why it happens
Checkout.com scored the payment as high risk based on its network-wide signals.
What the shopper can do
Pay another way, or contact the store.
What the store can do
If good customers are caught, share payment references with Checkout.com support.
For developers
The payment carries response_code 43101 with a response_summary such as "Potential fraud risk". 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 declined Checkout.com 43101?
- Checkout.com, at Checkout.com level, not your own rules.
- Can I turn off 43101?
- It comes from Checkout.com's own checks; raise it with Checkout.com support.
Sources
- API response codes — Checkout.com
Related
- 42301 — The fraud score was above an entity-level threshold.
- 43102 — Blocked by a Checkout.com decline rule or fraud model, named in the summary.
- 42201 — The card number is on an entity-level decline list.
- 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.
- 43401 — Checkout.com requires 3-D Secure authentication before this payment can go through.