Checkout.com · Decline codes
What does Checkout.com 43401 “3DS authentication required” mean?
Checked
Checkout.com 43401 "3DS authentication required" is a risk response: the payment was declined because additional authentication is needed, and Checkout.com says to retry the transaction with 3D Secure. Once the shopper passes the bank's verification step, the payment can be approved.
- Type
- Risk response (4xxxx)
- Who declined
- Checkout.com's risk checks
- Retry
- Yes, with 3-D Secure
- Shopper action
- Complete the bank's verification step
- Merchant action
- Retry the payment with 3-D Secure
What PlatformDTC does
PlatformDTC reads Checkout.com 43401 as needs 3-D Secure: the fix is authenticating on the same processor, not moving the card elsewhere, so checkout does not offer a backup processor for it. A subscription renewal declined with 43401 is not retried without the customer: they get an email asking them to confirm the payment with their bank.
Why it happens
Checkout.com's risk checks decided the payment needs the cardholder to authenticate.
What the shopper can do
Complete the verification in your banking app or with the code sent to you.
What the store can do
Retry with 3-D Secure while the shopper is present. A charge made without the customer cannot authenticate.
For developers
The payment carries response_code 43401 with a response_summary such as "3DS authentication required". 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
- Is Checkout.com 43401 a fraud decline?
- It is a risk response asking for authentication, not a final refusal.
- How is 43401 different from 20154?
- 20154 is the bank requiring 3-D Secure; 43401 is Checkout.com's risk checks requiring it.
Sources
- API response codes — Checkout.com
Related
- 20154 — The bank requires 3-D Secure verification before it will approve.
- 20151 — The shopper did not pass the bank's verification step.
- 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.
- 20012 — The bank says this transaction type is not allowed for the card. Visa says never retry it.
- 20013 — The amount sent with the payment was invalid for the bank or the network.