Checkout.com · Decline codes
What does Checkout.com 43201 “Decline list - Card number” mean?
Checked
Checkout.com 43201 "Decline list - Card number" means the card number is on Checkout.com's own decline list, not yours. Checkout.com also keeps platform lists for BINs (43202), email addresses (43203), phones (43204), IPs (43205) and email domains (43206). You cannot edit these lists; only Checkout.com can.
- Type
- Risk response (4xxxx)
- Who declined
- Checkout.com's own decline list
- Retry
- No, while the card is listed
- Shopper action
- Use another card
- Merchant action
- Contact Checkout.com if you believe it is wrong
What PlatformDTC does
PlatformDTC never reroutes Checkout.com 43201. 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 43201 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 listed the card based on its own fraud intelligence.
What the shopper can do
Pay with another card.
What the store can do
If a genuine customer is affected, contact Checkout.com support with the payment reference.
For developers
The payment carries response_code 43201 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
- Can I remove a card from the list behind Checkout.com 43201?
- No. It is Checkout.com's list; ask Checkout.com support.
- How is 43201 different from 41201?
- 41201 is your own client-level list; 43201 is Checkout.com's.
Sources
- API response codes — Checkout.com
Related
- 43102 — Blocked by a Checkout.com decline rule or fraud model, named in the summary.
- 43202 — The card's BIN is on Checkout.com's own decline list.
- 43101 — Checkout.com itself declined the payment as high risk.
- 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.
- 20002 — The bank declined under its own special conditions and refers the shopper back to it.