Checkout.com · Decline codes
What does Checkout.com 43102 “Risk blocked transaction – {Rule group name}” mean?
Checked
Checkout.com 43102 "Risk blocked transaction" means a Checkout.com decline rule or fraud-specific model blocked the payment, and the response summary names the rule group, for example "Risk decline - Scheme compliance" for a non-compliant payment. Checkout.com says to use rule group names for information only, because it may change them.
- Type
- Risk response (4xxxx)
- Who declined
- Checkout.com's own decline rules or fraud models
- Retry
- No automatic retry
- Shopper action
- Use another payment method or contact the store
- Merchant action
- Read the rule group name in the response summary
What PlatformDTC does
In PlatformDTC's routing table 43102 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 43102 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 Checkout.com-level rule or model, such as a scheme compliance check, matched the payment.
What the shopper can do
Try another payment method or contact the store.
What the store can do
Log the rule group name from the summary for patterns, but do not build logic on its exact text.
For developers
The payment carries response_code 43102 with a response_summary such as "Risk blocked transaction – {Rule group name}". 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 is the {Rule group name} part of Checkout.com 43102?
- Checkout.com fills in the rule group name in the response summary for each decline.
- Can I rely on the rule group text in 43102?
- No. Checkout.com says names are for information only and may change.
Sources
- API response codes — Checkout.com
Related
- 43101 — Checkout.com itself declined the payment as high risk.
- 43201 — The card is on Checkout.com's own decline list.
- 42301 — The fraud score was above an entity-level threshold.
- 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.
- 20001 — The bank declined and wants the shopper to contact it before it will approve.