Checkout.com · Decline codes
What does Checkout.com 43205 “Decline list - Payment IP” mean?
Checked
Checkout.com 43205 "Decline list - Payment IP" means the IP address behind the payment is on Checkout.com's own decline list. It is blocked at Checkout.com level before your rules or the bank are involved, and shared networks mean an innocent shopper can inherit someone else's block.
- Type
- Risk response (4xxxx)
- Who declined
- Checkout.com's own decline list
- Retry
- No, while the IP is listed
- Shopper action
- Try from another network, or contact the store
- Merchant action
- Contact Checkout.com if genuine buyers are affected
What PlatformDTC does
In PlatformDTC's routing table 43205 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 43205 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 IP after abusive or fraudulent traffic from it.
What the shopper can do
Try again from a different connection, or contact the store.
What the store can do
If customers report this, give Checkout.com support the payment references.
For developers
The payment carries response_code 43205 with a response_summary such as "Decline list - Payment IP". 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 unblock an IP from Checkout.com 43205?
- No. It is Checkout.com's list.
- Why would a real customer get 43205?
- Mobile carriers and public networks share IPs, so one bad actor can taint an address.
Sources
- API response codes — Checkout.com
Related
- 43202 — The card's BIN is on Checkout.com's own decline list.
- 43301 — Checkout.com's Autopilot declined the payment for a high fraud score.
- 43201 — The card is on Checkout.com's own decline list.
- 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.
- 20005 — The bank declined without giving a reason. The most common generic refusal.