Checkout.com · Decline codes
What does Checkout.com 43301 “Fraud score exceeds threshold” mean?
Checked
Checkout.com 43301 "Fraud score exceeds threshold" means the payment was declined by Autopilot, Checkout.com's own automated fraud decisioning, because the score was above its threshold. Your client and entity thresholds produce 41301 and 42301 instead, so a 43301 cannot be fixed by changing your own settings.
- Type
- Risk response (4xxxx)
- Who declined
- Checkout.com Autopilot
- 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 never reroutes Checkout.com 43301. 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 43301 is never retried: the subscription is held past due and the customer is emailed a link to add a new card.
Why it happens
Autopilot scored the payment as too risky.
What the shopper can do
Try another method, or contact the store.
What the store can do
Raise false declines with Checkout.com support, including payment references.
For developers
The payment carries response_code 43301 with a response_summary such as "Fraud score exceeds threshold". 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 Autopilot in Checkout.com 43301?
- Checkout.com's response text says the transaction was declined by Autopilot.
- Can I change the 43301 threshold?
- It is a Checkout.com-level decision; talk to Checkout.com support.
Sources
- API response codes — Checkout.com
Related
- 43205 — The shopper's IP is on Checkout.com's own decline list.
- 43202 — The card's BIN is on Checkout.com's own decline list.
- 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.