Checkout.com · Decline codes
What does Checkout.com 43202 “Decline list - BIN” mean?
Checked
Checkout.com 43202 "Decline list - BIN" means the card's BIN, its bank-identifying leading digits, is on Checkout.com's own decline list. All cards in that range are refused at Checkout.com level, whatever your own settings say. The shopper's way through is a card from a different bank.
- Type
- Risk response (4xxxx)
- Who declined
- Checkout.com's own decline list
- Retry
- No, while the BIN is listed
- Shopper action
- Use a card from another bank
- Merchant action
- Contact Checkout.com if a whole bank range is blocked wrongly
What PlatformDTC does
PlatformDTC treats Checkout.com 43202 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 43202 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 blocked that card range, typically for fraud reasons.
What the shopper can do
Use a card from a different bank.
What the store can do
If many customers of one bank are blocked, raise it with Checkout.com support.
For developers
The payment carries response_code 43202 with a response_summary such as "Decline list - BIN". 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 controls the BIN list in Checkout.com 43202?
- Checkout.com.
- Is 43202 the same as 41202?
- Same field, different owner: 41202 is your list, 43202 is Checkout.com's.
Sources
- API response codes — Checkout.com
Related
- 43201 — The card is on Checkout.com's own decline list.
- 43205 — The shopper's IP is on Checkout.com's own decline list.
- 43102 — Blocked by a Checkout.com decline rule or fraud model, named in the summary.
- 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.
- 20003 — The payment failed for a technical reason on the merchant or acquirer side, not because of the card.