API response codes

Last updated: October 22, 2025

When you make a request to our API, you receive an HTTP status code indicating whether or not the HTTP request was successful.

If you receive a successful 2xx HTTP response, the response body contains a response_code field that specifies the status of the request. The response may also contain additional information in the response_summary and status fields.

If you receive an unsuccessful 4xx HTTP response, the response body may contain an error_codes field. The error code specifies the reason why the request failed.

Information

The response code message text may vary across different endpoint responses.

The five-digit response codes are grouped in the following code ranges, depending on the code type:

Code range	Code type	Description
`10xxx`	Approved	The `10xxx` response code range indicates that the payment request was successful.
`20xxx`	Soft declines	The `20xxx` response code range indicates that the payment request was declined, though subsequent attempts may succeed.
`30xxx`	Hard declines	The `30xxx` response code range indicates that the request was declined. Most hard declines require the issuer or cardholder to fix any outstanding issues before you can retry.
`4xxxx`	Risk responses	The `4xxxx` response code range indicates that the request raised a risk response. The `response_code` and `status` depend on the action specified in your Fraud Detection risk strategies.
`50xxx`	Card payout declines	The `50xxx` response code range indicates that Checkout.com declined the card payout request.

The 10xxx response code range indicates that the payment request was successful.

Response code	Response text	Additional information
10000	Approved
10008	Approved - Honor with ID (Debit Cards)
10010	Partial Value Approved	This is returned for partial authorizations.
10011	Approved – VIP (not used)
10076	Approved (Country Club)
10077	Approved (Local Banks)
10081	Approved (Approved Commercial)
10100	Flagged as a potentially risky transaction
10200	Deferred capture

The 20xxx response code range indicates that the payment request was declined, though subsequent attempts may succeed.

Response code	Response text	Additional information
20001	Refer to card issuer	Your bank declined the payment. Try a different card or contact your bank for further support.
20001	Contact card issuer
20002	Refer to card issuer - Special conditions	Your bank declined the payment. Try a different card or contact your bank for further support.
20003	Invalid merchant or service provider	The payment failed due to a technical issue. If the issue persists, request support.
20004	Card should be captured
20005	Declined - Do not honour	Your bank declined the payment. Try a different card or contact your bank for further support. See Recommendation codes for more information. For payouts, this indicates that the issuer declined the transaction. If you encounter systemic issues or a high percentage of declines for a specific recipient card's bank identification number (BIN), contact your account manager or request support.
20006	Error / Invalid request parameters
20009	Request in progress
20012	Invalid transaction	Your bank declined the payment. Try a different card or contact your bank for further support.
20013	Invalid value/amount	The payment failed due to a technical issue. If the issue persists, request support.
20014	Invalid account number (no such number)	The payment failed. Check the card details and try again with the same or another card.
20015	Transaction cannot be processed through debit network	Route your transaction to the card's signature network.
20016	Card not initialised
20017	Customer cancellation
20018	Customer dispute
20019	Re-enter transaction
20019	Transaction has expired
20020	Invalid response
20021	No action taken (unable to back out prior transaction)
20022	Suspected malfunction
20023	Unacceptable transaction fee
20024	File update not supported by the receiver
20025	Unable to locate record on file
20025	Account number is missing from the inquiry
20026	Duplicate file update record
20027	File update field edit error
20028	File is temporarily unavailable
20029	File update not successful
20030	Format error	The payment failed due to a technical issue. Either try again with the same card, or use a different card. MADA transactions may raise this error code under specific circumstances. See Format error in MADA transactions for more information.
20031	Bank not supported by Switch
20032	Completed partially
20033	Previous scheme transaction ID invalid
20038	Allowable PIN tries exceeded
20039	No credit account
20040	Requested function not supported
20042	No universal value/amount
20044	No investment account
20045	The Issuer does not support fallback transactions of hybrid-card
20046	Bank decline	Your bank declined the payment. Try a different card or contact your bank for further support. See also Recommendation codes.
20051	Insufficient funds	Your bank declined the payment. Try a different card or contact your bank for further support.
20052	No current (checking) account
20053	No savings account
20054	Expired card
20055	Incorrect PIN
20055	PIN validation not possible
20056	No card record
20057	Transaction not permitted to cardholder	Your bank declined the payment. Try a different card or contact your bank for further support. For payouts, this indicates that the issuer declined the payment, likely due to a restricted recipient card BIN. Request an alternative payment method from the recipient, or ask them to contact their issuer. If you encounter systemic issues or a high percentage of declines for a specific recipient card BIN, contact your account manager or request support.
20057	Domestic debit transaction not allowed (Regional use only)
20058	Transaction not permitted to terminal
20059	Suspected fraud	Your bank declined the payment. Try a different card or contact your bank for further support. See also Recommendation codes.
20060	Card acceptor contact acquirer
20061	Activity amount limit exceeded	The defined amount was exceeded for the account or card. For recommended actions, see Recommendation codes. For payouts, this indicates the payment was declined by the issuer or card network. The velocity limits for the recipient card may have been exceeded. Retry the payout the following day.
20062	Restricted card	Your bank declined the payment. Try a different card or contact your bank for further support. See also Recommendation codes.
20063	Security violation
20064	Original value incorrect	Your bank declined the payment. Try a different card or contact your bank for further support.
20065	Exceeds Withdrawal Frequency Limit	Your bank declined the payment. Try a different card or contact your bank for further support. For payouts, this indicates the payment was declined by the issuer or card network. The velocity limits for the recipient card may have been exceeded. Retry the payout the following day.
20066	Card acceptor call acquirer security
20067	Hard capture - Pick up card at ATM
20068	Response received too late / Timeout	The payment failed due to a technical issue. Try again with the same card, or use a different card.
20068	Internal error
20072	Account not yet activated
20075	Allowable PIN-entry tries exceeded	Your bank declined the payment. Try a different card or contact your bank for further support.
20078	Blocked at first use - transaction from new or replacement card that is not properly unblocked	Your bank declined the payment. Try a different card or contact your bank for further support. See also Recommendation codes.
20081	Card is local use only
20082	No security model
	PIN cryptographic error found (error found by VIC security module during PIN decryption)
	Negative CAM, dCVV, iCVV, or CVV results
20083	No accounts
20084	No PBF
20085	PBF update error
20086	ATM malfunction
20086	Invalid authorization type
20087	Bad track data (invalid CVV and/or expiry date)	The payment failed. Check the card details and try again with the same or another card.
20088	Unable to dispense/process
20089	Administration error
20090	Cut-off in progress
20091	Issuer unavailable or switch is inoperative	The payment failed due to a technical issue. Try again with the same card, or use a different card. For payouts, this indicates that the issuer's host system may be down, or connectivity was lost. Retry the payout when the connection issues have been resolved.
20092	Destination cannot be found for routing
20093	Transaction cannot be completed; violation of law	Your bank declined the payment. Try a different card or contact your bank for further support. See also Recommendation codes.
20094	Duplicate transmission / invoice
20095	Reconcile error
20096	System malfunction	The payment failed due to a technical issue. Try again with the same card, or use a different card.
20097	Reconciliation totals reset
20098	MAC error
20099	Other / Unidentified responses	The payment failed due to a technical issue. If the issue persists, request support.
20197	The ATM/POS terminal number has not been registered
2005C	Transaction not supported / blocked by issuer
2006P	Cardholder ID verification failed	The cardholder could not be identified from their ID documentation as part of Know Your Customer (KYC) checks. The cardholder must contact their issuer to resolve this.
2009G	Blocked by cardholder / contact cardholder
200A4	Transaction with defect, contact issuer	The requests were not received.
200A5		The original transactions are rejected.
200A6		UnionPay forwarded the original request, but did not receive a response from the issuer.
200E0	Unauthorised access
200E2	Signature verification failure
200E3	System busy. Try again later.
200N0	Force STIP
200N7	Decline for CVV2 failure
200O5	PIN required
200P1	Over daily limit
200P9	Limit exceeded. Enter a lesser value.
200R1	Issuer initiated a stop payment (revocation order) for this authorization	The cardholder canceled the subscription.
200R3	Issuer initiated a stop payment (revocation order) for all authorizations	The cardholder canceled all subscriptions.
200S4	PTLF full
200T2	Invalid transaction date
200T3	Card not supported
200T5	CAF status = 0 or 9
20100	Invalid expiry date format	The payment failed due to invalid expiry date. Try again, providing the correct value.
20101	No Account / No Customer (Token is incorrect or invalid)
20102	Invalid merchant / wallet ID	The payment failed due to a technical issue. If the issue persists, request support.
20103	Card type / payment method not supported	Your bank declined the payment. Try again with a different card or contact your bank for further support.
20104	Gateway reject - Invalid transaction	The payment failed due to a technical issue. Try again with the same card, or use a different card.
20105	Gateway reject - Violation	The payment failed due to a technical issue. Try again with the same card, or use a different card.
20106	Unsupported currency
20107	Billing address is missing
20108	Declined - Updated cardholder available
20109	Transaction already reversed (voided)
	Previous message located for a repeat or reversal, but repeat or reversal data is inconsistent with the original message
	Capture is larger than initial authorized value
20110	Authorization completed
20111	Transaction already reversed	The payment reversal has already been processed.
20112	Merchant not Mastercard SecureCode enabled	The payment failed due to a technical issue. Request support and provide the payment reference number.
20113	Invalid property
20114	Token is incorrect
20115	Missing / Invalid lifetime
20116	Invalid encoding
20117	Invalid API version	The payment failed due to a technical issue. If the issue persists, request support.
20118	Transaction pending	The payment failed due to a technical issue. If the issue persists, request support.
20119	Invalid batch data and/or batch data is missing	The payment failed due to a technical issue. If the issue persists, request support.
20120	Invalid customer/user	The payment failed due to a technical issue. If the issue persists, request support.
20121	Transaction limit for merchant/terminal exceeded
20122	Mastercard installments not supported
20123	Missing basic data: zip, addr, member	The payment failed due to a technical issue. If the issue persists, request support.
20124	Missing CVV value, required for ecommerce transaction
20150	Card not 3D Secure (3DS) enabled
20151	Cardholder failed 3DS authentication
20152	Initial 3DS transaction not completed within 15 minutes	The payment expired due to inactivity. Try again with the same card, or use a different card.
20153	3DS system malfunction	The payment failed due to a technical issue. Try again with the same card, or use a different card.
20154	3DS authentication required	The payment was declined due to 3D Secure authentication (3DS). Try again with the same card, or use a different card.
20155	3DS authentication service provided invalid authentication result
20156	Requested function not supported by the acquirer
20157	Invalid merchant configurations - Contact Support	Request support.
20158	Refund validity period has expired
20159	ACS Malfunction	The payment failed due to a technical issue with the ACS used to perform 3DS authentication. If the issue persists, request support.
20179	Lifecycle	The transaction uses invalid card data. For recommended actions, see Recommendation codes.
20182	Policy	The transaction does not comply with card policies. For recommended actions, see Recommendation codes.
20183	Security	The transaction is suspected to be fraudulent. For recommended actions, see Recommendation codes.
20193	Invalid country code

The 30xxx response code range indicates that the request was declined. Most hard declines require the issuer or cardholder to fix any outstanding issues before you can retry.

Response code	Response text	Additional information
30004	Pick up card (No fraud)	Your bank declined the payment. Try a different card or contact your bank for further support.
30007	Pick up card - Special conditions	Your bank declined the payment. Try a different card or contact your bank for further support.
30015	No such issuer	The payment was declined due to incorrect details. Try again with updated details. For payouts, this indicates that the recipient card number is incorrect, invalid, or restricted. Request an alternative payment method from the recipient, or ask them to contact their issuer. If you encounter systemic issues or a high percentage of declines for a specific recipient card BIN, request support to report this to Checkout.com.
30016	Issuer does not allow online gambling payout	Your bank declined the payment. Try a different card or contact your bank for further support.
30017	Issuer does not allow original credit transaction	Your bank declined the payment. Try a different card or contact your bank for further support.
30018	Issuer does not allow money transfer payout	Your bank declined the payment. Try a different card or contact your bank for further support.
30019	Issuer does not allow non-money transfer payout	Your bank declined the payment. Try a different card or contact your bank for further support.
30020	Invalid amount	The payment failed due to a technical issue. If the issue persists, request support.
30021	Total amount limit reached	Your bank declined the payment. Try a different card or contact your bank for further support.
30022	Total transaction count limit reached	Your bank declined the payment. Try a different card or contact your bank for further support.
30033	Expired card - Pick up	Your bank declined the payment. Try a different card or contact your bank for further support.
30034	Suspected fraud - Pick up	Your bank declined the payment. Contact your bank for further support. For payouts, this indicates that the issuer declined the payment, likely due to suspected fraud. Ask the cardholder to contact their issuer. Do not reattempt the payout.
30035	Contact acquirer - Pick up	Your bank declined the payment. Try a different card or contact your bank for further support.
30036	Restricted card - Pick up	Your bank declined the payment. Try a different card or contact your bank for further support.
30037	Call acquirer security - Pick up	Your bank declined the payment. Try a different card or contact your bank for further support.
30038	Allowable PIN tries exceeded - Pick up	Your bank declined the payment. Try a different card or contact your bank for further support.
30041	Lost card - Pick up	Your bank declined the payment. Try a different card or contact your bank for further support.
30043	Stolen card - Pick up	The cardholder’s bank declined the payment because the card has been reported stolen. For a one-off transaction, do not retry the transaction. If possible, do not provide goods or services to the person attempting the transaction. For a recurring or scheduled transaction, the card may have been lost after the last successfull payment, or after the scheduled payment was authorized. In either scenario, contact your customer and request that they update their payment method. Replace the account number for their lost card with the account number for their new card.
30044	Transaction rejected - AMLD5	The transaction was initiated from an anonymous, non-reloadable prepaid card and for an amount greater than 50 EUR. Due to the AMLD5 directive, the transaction cannot be fulfilled.
30045	Invalid payout fund transfer type	The fund transfer type is not allowed in your configuration.
30046	Closed account	Your bank declined the payment. Contact your bank for further support.

The 4xxxx response code range indicates that the request raised a risk response. The response_code and status depend on the action specified in your Fraud Detection risk strategies.

Response code	Response text	Additional information
41101	Risk Blocked Transaction	The transaction was declined due to a client-level risk rule.
41201	Decline list - Card number	The transaction was declined due to a client-level decline list. For more information: Sign in to the Dashboard. Go to Payments > Processing > All payments and select the payment. On the Payment details page, select the fraud assessment in Payment timeline. The Fraud Detection assessment page appears with detailed information.
41202	Decline list - BIN	The transaction was declined because the associated BIN is on a client-level decline list.
41203	Decline list - Email address	The transaction was declined because the associated email address is on a client-level decline list.
41204	Decline list - Phone	The transaction was declined because the associated phone number is on a client-level decline list.
41205	Decline list - Payment IP	The transaction was declined because the associated payment IP is on a client-level decline list.
41206	Decline list - Email domain	The transaction was declined because the associated email domain is on a client-level decline list.
41301	Fraud score exceeds threshold	The transaction was declined because it has a high risk score.

Response code	Response text	Additional information
42101	Risk Blocked Transaction	The transaction was declined due to an entity-level risk rule. For more information: Sign in to the Dashboard. Go to Payments > Processing > All payments and select the payment. On the Payment details page, select the fraud assessment in Payment timeline. The Fraud Detection assessment page appears with detailed information.
42201	Decline list - Card number	The transaction was declined due to an entity-level risk rule.
42202	Decline list - BIN	The transaction was declined because the associated BIN is on an entity-level decline list.
42203	Decline list - Email address	The transaction was declined because the associated email address is on an entity-level decline list.
42204	Decline list - Phone	The transaction was declined because the associated phone number is on an entity-level decline list.
42205	Decline list - Payment IP	The transaction was declined because the associated payment IP is on an entity-level decline list.
42206	Decline list - Email domain	The transaction was declined because the associated email domain is on a client-level decline list.
42301	Fraud score exceeds threshold	The transaction was declined because it has a high risk score.

Response code	Response text	Additional information
43101	Potential fraud risk	The transaction was declined because it has a high risk score.
43102	Risk blocked transaction – `{Rule group name}`	The transaction was declined for one of the following reasons: A Checkout.com decline rule A fraud-specific model where the `{rule group name}` provides all available information about the type of risk identified Use rule group names for information only because Checkout.com may change them. For example, for a non-compliant payment, you receive the response summary Risk decline - Scheme compliance.
43201	Decline list - Card number	The transaction was declined because the associated card number is on Checkout.com's decline list.
43202	Decline list - BIN	The transaction was declined because the associated BIN is on Checkout.com's decline list.
43203	Decline list - Email address	The transaction was declined because the associated email address on Checkout.com's decline list.
43204	Decline list - Phone	The transaction was declined because the associated phone number is on Checkout.com's decline list.
43205	Decline list - Payment IP	The transaction was declined because the associated payment IP is on Checkout.com's decline list.
43206	Decline list - Email domain	The transaction was declined because the associated email domain is on Checkout.com's decline list.
43301	Fraud score exceeds threshold	The transaction was declined because it has a high risk score.
44301	3DS authentication required	The transaction was declined because additional authentication is required to process it. Retry the transaction with 3D Secure.

The 50xxx response code range indicates that Checkout.com declined the Card Payout request.

Response code	Response text	Additional information
50001	Compliance error
50002	Sanction screening failure	There was a sanctions screening hit or data corruption.
50003	Balance reservation insufficient funds	The sub-account has an insufficient Available balance.
50005	Barred Beneficiary Error
50020	Recipient error
50021	Invalid recipient error
50022	Unsupported recipient error
50023	Recipient limit error
50025	Invalid Recipient Account Error
50026	Recipient Account Not Found
50027	Recipient Bank Error
50030	Invalid Recipient Details Error
50070	Sender error
50100	Instruction error
50101	Instruction amount limit error
50102	Instruction amount limit sender error
50103	Instruction amount limit recipient error
50104	Velocity limit
50105	Velocity limit sender error
50106	Velocity limit recipient limit error
50150	Processing error
50180	Validation error
50200	Configuration error
50240	Cancellation error
50260	Returned error
50280	Insufficient funds
50399	Unmapped response
50401	Bank details invalid
50402	Account not found
50403	Account inactive
50404	Account dormant
50405	Account number invalid
50406	Branch not found
50407	Branch code invalid
50408	Branch code required
50409	Bank code invalid
50410	Bank code required
50441	Account type required
50451	Account holder details invalid
50452	Account holder identification number required
50453	Account holder type not supported
50454	Account holder type not allowed
50466	Account closed
50471	Account blocked
50481	Invalid debtor account type
50490	Duplicate Payment
50491	Account holder billing address details incorrect
50492	Account holder billing address details required
50494	Account holder billing address can not be PO box
50499	Payout Returned
50501	Unsupported characters
50511	Invalid amount
50512	Minimum amount not met
50513	Exceeded transaction value
50514	Exceeded daily limit
50515	Exceeded weekly limit
50517	Exceeded monthly limit
50531	Recalled
50599	Unknown reason

Declined - Do not honour status indicates that the customer's bank declined the payment. It's the most common message that banks provide when a payment fails authorization.

The issuer did not provide any further details about the payment failure, and Checkout.com cannot override the response.

The payment may have been declined due to failed CVV or Address Verification Service (AVS) checks. We recommend verifying that these fields are correct in your payment request before you try alternative solutions.

Declined - Do not honour can be raised in the following scenarios:

The payment was flagged by the bank's internal fraud rules.
The bank placed a temporary hold on the customer's card.
The purchase session was locked due to multiple declined payments.
The seller is located in a different country to the issuer.

To resolve a Declined - Do not honour response, contact the customer and request them to try one of the following:

Contact their bank, explain that they're trying to perform a payment, and ask the bank to allow the payment.
Try again later. The issuer may have only placed a temporary hold on the card.
Use a different card.

Checkout.com response codes are standardized across schemes and payment methods to facilitate integration and transaction analysis.

For card payments, we also provide the scheme's authorization response code. This is known as the raw response code.

It is returned in the partner_response_code field in the following:

Information

To enable the partner_response_code feature, contact your account manager or request support.

The response code values differ per scheme and are subject to change. See the scheme specific documentation for further details.


1{
2  "response_code": "20051",
3  "response_summary": "Insufficient funds",
4  "processing": {
5    "scheme": "visa",
6    "partner_response_code": "51"
7  }
8}


1{
2  "id": "pay_tb4f46qcj6runb3pmbsrrdqd74",
3  "action_id": "act_ixmhjuu4brpu7lw4dkny4bfcam",
4  "amount": 0,
5  "auth_code": "656280",
6  "currency": "EUR",
7  "payment_type": "Regular",
8  "processed_on": "2023-12-15T16:50:16.9557112Z",
9  "processing": {
10    "acquirer_transaction_id": "371551175125650580188",
11    "retrieval_reference_number": "583063115397",
12    "scheme": "MASTERCARD",
13    "partner_response_code": "51"
14  },
15  "response_code": "20051",
16  "response_summary": "Insufficient Funds",
17  "risk": {
18    "flagged": false
19  },
20  "scheme_id": "885825379894893",
21  "source": {
22    "id": "src_u3p3boigodfu3hcqo6ini2ofwe",
23    "type": "card",
24    "billing_address": {},
25    "expiry_month": 10,
26    "expiry_year": 2028,
27    "scheme": "MASTERCARD",
28    "last_4": "9682",
29    "fingerprint": "3C2C9685923907BAC9BB646F83E3799E40FC628147F25F76745A0B9296D769AC",
30    "bin": "543782",
31    "card_type": "CREDIT",
32    "card_category": "CONSUMER",
33    "issuer": "TAISHIN INTERNATIONAL BANK",
34    "issuer_country": "TW",
35    "product_id": "MCS",
36    "product_type": "Standard MasterCard(r) Card",
37    "avs_check": "S",
38    "cvv_check": "Y"
39  },
40  "event_links": {
41    "payment": "https://api.sandbox.checkout.com/payments/pay_tb4f46qcj6runb3pmbsrrdqd74",
42    "payment_actions": "https://api.sandbox.checkout.com/payments/pay_tb4f46qcj6runb3pmbsrrdqd74/actions"
43  },
44  "action_invocations": [
45    {
46      "workflow_id": "wf_wdodk5vudmrubb5us6zefyaepe",
47      "workflow_action_id": "wfa_zb7vtvprtipu5l3trvk2m7je6y",
48      "status": "successful",
49      "_links": {
50        "self": {
51          "href": "https://api.sandbox.checkout.com/workflows/events/evt_igyyma6msoledm57qy4efdihhy/actions/wfa_zb7vtvprtipu5l3trvk2m7je6y"
52        }
53      }
54    }
55  ],
56  "_links": {
57    "self": {
58      "href": "https://api.sandbox.checkout.com/workflows/events/evt_igyyma6msoledm57qy4efdihhy"
59    },
60    "payment_actions": {
61      "href": "https://api.sandbox.checkout.com/payments/pay_tb4f46qcj6runb3pmbsrrdqd74/actions"
62    },
63    "payment": {
64      "href": "https://api.sandbox.checkout.com/payments/pay_tb4f46qcj6runb3pmbsrrdqd74"
65    }
66  }
67}

You can receive the following HTTP status codes for your API requests:

Status code	Description
200	OK
201	Created
202	Accepted
204	Non-Authoritative Information
400	Bad Request
401	Unauthorized
403	Forbidden
404	Not Found
406	Not Acceptable
409	Conflict
412	Precondition Failed
422	Unprocessable Content
429	Too Many Requests
429	Too Many Requests
500	Internal Server Error
502	Bad Gateway
503	Service Unavailable
504	Gateway Timeout

API response codes

Information

Response code ranges

10xxx Approved

20xxx Soft declines

30xxx Hard declines

4xxxx Risk responses

Client-level response codes

Entity-level response codes

Checkout.com-level response codes

50xxx Card Payout declines

Declined - Do not honour

Scenarios

Resolution

Raw response codes

Information

Response example

Webhook example

HTTP status codes