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Response codes

Last updated: 13th January 2022

Response codes can tell you a lot about what happened during an API request. Checkout.com responds to API requests with:

  • an HTTP status code
  • a response object containing a response_code that indicates the status of the request, or an error object containing one or several error_codes

This page describes the response codes you might receive.


Overview

A response_code is a five-digit numeric code that indicates the status of the request. Additional information on the request status may be found in the response_summary and status fields.

Code typeCode rangeLocation in responseDescription

APPROVED

10000

response_code response_summary

The request was successful

SOFT DECLINE

20000

response_code response_summary

The request was declined, though subsequent attempts may be successful

HARD DECLINE

30000

response_code response_summary

The request was declined. Most hard declines require the issuer or cardholder to rectify the outstanding issue(s) before a subsequent attempt can be made

RISK RESPONSES

40000

response_code response_summary

The request triggered a risk response. The status of the response (response_code and status) will depend on the action specified in your risk settings


Approved (10X)

CodeDescription

10000

Approved

10008

Approved - Honor with ID (Debit Cards)

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

Example response: 10000 – Approved

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{
"id": "pay_y3oqhf46pyzuxjbcn2giaqnb44",
"action_id": "act_y3oqhf46pyzuxjbcn2giaqnb44",
"amount": 6540,
"currency": "USD",
"approved": true,
"status": "Authorized",
"auth_code": "643381",
"response_code": "10000",
"response_summary": "Approved",
"3ds": {
"downgraded": true,
"enrolled": "N"
},
"risk": {
"flagged": true
},
"source": {
"type": "card",
"id": "src_wmlfc3zyhqzehihu7giusaaawu",
"billing_address": {
"address_line1": "Checkout.com",
"address_line2": "90 Tottenham Court Road",
"city": "London",
"state": "London",
"zip": "W1T 4TJ",
"country": "GB"
},
"phone": {
"country_code": "+1",
"number": "415 555 2671"
}
},
"customer": {
"id": "cus_y3oqhf46pyzuxjbcn2giaqnb44",
"email": "brucewayne@gmail.com",
"name": "Bruce Wayne"
},
"processed_on": "2018-09-11T10:13:00Z",
"reference": "ORD-5023-4E89",
"_links": {
"self": {
"href": "https://api.checkout.com/payments/pay_y3oqhf46pyzuxjbcn2giaqnb44"
},
"actions": {
"href": "https://api.checkout.com/payments/pay_y3oqhf46pyzuxjbcn2giaqnb44/actions"
},
"void": {
"href": "https://api.checkout.com/payments/pay_y3oqhf46pyzuxjbcn2giaqnb44/voids"
},
"capture": {
"href": "https://api.checkout.com/payments/pay_y3oqhf46pyzuxjbcn2giaqnb44/capture"
},
"response-code": {
"href": "https://api.checkout.com/refs/response-codes/10000"
}
}
}

Soft decline (20X)

CodeTextDescription

20001

Refer to card issuer

20002

Refer to card issuer - special conditions

20003

Invalid merchant or merchant is not active

20005

Declined - Do Not Honour

20006

Error / Invalid request parameters

20009

Request in progress

20010

Partial value approved

20012

Invalid transaction

The issuer has declined the transaction because it is invalid. Usually this is owing to some incorrect/invalid format or field. The cardholder should contact their issuing bank.

20013

Invalid value/amount

Invalid amount (currency conversion field overflow) or amount exceeds maximum for card program.

20014

Invalid card number

20017

Customer cancellation

20018

Customer dispute

20019

Re-enter transaction or transaction has expired

20020

Invalid response

20021

No action taken

20022

Suspected malfunction

20023

Unacceptable transaction fee

20024

File Update not supported by the receiver

20025

Unable to Locate Record on File

20026

Duplicate file update record

20027

File update field edit error

20028

File update file locked out

20029

File update not successful

20030

Format error

20031

Bank not supported by Switch

20032

Completed partially

20038

Allowable PIN tries exceeded

20039

No CREDIT Account

20040

Requested function not supported

20042

No universal value/amount

20044

No investment account

20046

Bank decline

20051

Insufficient funds

20052

No cheque account

20053

No savings account

20054

Expired card

20055

Incorrect PIN (invalid Amex CVV)

20056

No card record

20057

Transaction not permitted to cardholder

Issuer has declined the transaction because the card cannot be used for this sort of transaction.

20058

Transaction not permitted to terminal

20059

Suspected fraud

20060

Card acceptor contact acquirer

20061

Exceeds withdrawal value/amount limits

Occurs if the defined amount is exceeded for the account or card.

20062

Restricted card

A restriction is placed on the card at the cardholder (account) level and not at the BIN (product) level. For example, due to the card's country.

20063

Security violation

20064

Transaction does not fulfil AML requirement

Occurs if any of the following are missing: Sender Reference Number, Sender Account Number, Sender Name, Sender Address, etc.

20065

Exceeds Withdrawal Frequency Limit

Occurs if the defined withdrawal frequency limit has been exceeded.

20066

Card acceptor call acquirer security

20067

Hard capture - pick up card at ATM

20068

Response received too Late / Timeout

20075

Allowable PIN tries exceeded

20078

Blocked card. First-time card usage.

Occurs if the transaction was from a new cardholder and the card is blocked. The cardholder needs to unblock their card before retrying the payment.

20082

No security model

20083

No accounts

20084

No PBF

20085

PBF update error

20086

ATM malfunction / Invalid authorisation type

20087

Bad track data (invalid CVV and/or expiry date)

20088

Unable to dispense/process

20089

Administration error

20090

Cut-off in progress

20091

Issuer or Switch is inoperative

20092

Financial institution not found

20093

Transaction cannot be completed; violation of law

Due to government, central bank or financial institution agreement, laws or regulations, these types of transactions cannot be authorized.

20094

Duplicate transmission/invoice

20095

Reconcile error

20096

System malfunction

Transaction does not pass Issuer system checks on fields.

20097

Reconciliation Totals Reset

20098

MAC error

20099

Other / Unidentified responses

2006P

Cardholder ID verification failed

Cardholder could not be identified from their ID documentation as part of Know Your Customer (KYC) checks. The cardholder should contact their issuing bank to resolve.

200N0

Unable to authorize

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 the Authorization

The cardholder has canceled this subscription

200R3

Issuer initiated a stop payment (revocation order) for all Authorizations

The cardholder has 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

20101

No account / No customer (token incorrect or invalid)

20102

Invalid merchant/Wallet ID

20103

Card type/Payment method not supported

20104

Gateway reject - invalid transaction

20105

Gateway reject - violation

20106

Unsupported currency

20107

Billing address is missing

20108

Declined - Updated cardholder available

20109

Authorization already reversed (voided) or capture is larger than initial authorised value

20110

Authorization completed

20111

Transaction already reversed

20112

Merchant not Mastercard SecureCode enabled

20113

Invalid property

20114

Invalid channel or token is incorrect

20115

Missing/Invalid lifetime

20116

Invalid encoding

20117

Invalid API version

20118

Transaction pending

20119

Invalid batch data and/or batch data is missing

20120

Invalid customer/user

20121

Transaction limit for merchant/terminal exceeded

20123

MISSING BASIC DATA: zip, addr, member

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

20153

3DS system malfunction

20154

3DS authentication required

Issuer requests a non-3DS payment be resubmitted with 3DS authentication.

20155

3DS authentication service provided invalid authentication result

20156

Requested function not supported by the acquirer

20157

Invalid merchant configurations - Contact Support

20158

Refund validity period has expired

20179

Lifecycle

Occurs when transaction has invalid card data. Refer to the page on recommendation codes for suggested action.

20182

Policy

Occurs when a transaction does not comply with card policy. Refer to the page on recommendation codes for suggested action.

20183

Security

Occurs when a transaction is suspected to be fraudulent. Refer to the page on recommendation codes for suggested action.


Hard decline (30X)

CodeTextDescription

30004

Pick up card (no fraud)

The cardholder’s bank has declined the payment. The customer should call their issuing bank and ask why the transaction was declined. Once the issuing bank confirms that they will approve future attempts, try the transaction again.

30007

Pick up card, special conditions

The cardholder’s bank has declined the payment because they have detected fraudulent activity on the account.

  • For a one-off transaction, do not attempt the transaction again, and, if possible, do not provide goods or services to the person attempting the transaction.
  • For a recurring or scheduled transaction, it is possible that the card was flagged after the last successfully processed payment (or after the authorization for the scheduled payment). In that case, contact your customer for a new credit card number, or ask for a different form of payment. Replace the old account number on the schedule with the new account number.

30015

No such issuer

The card number entered is invalid because it does not start with a 3 (Amex), 4 (Visa), 5 (Mastercard) or 6 (Discover). Double-check the credit card number and try the transaction again with the correct number.

We will usually flag this type of error before an authorization is attempted, but, in some rare cases (typically when there is an error with a payment import), this type of failure may occur.

30016

Issuer does not allow online gambling payout

Issuer does not allow online gambling payout.

30017

Issuer does not allow original credit transaction

Issuer does not allow original credit transactions (OCTs) over Visa SMS.

Only applies to OCTs.

30018

Issuer does not allow money transfer payout

Issuer does not allow money transfer original credit transactions (OCTs).

Only applies to OCTs.

30019

Issuer does not allow non-money transfer payout

Issuer does not allow non-money transfer original credit transactions (OCTs).

Only applies to OCTs.

30020

Invalid amount

Invalid amount.

30021

Total amount limit reached

Volume limit reached on the account.

30022

Total transaction count limit reached

Transaction count limit reached on the account.

30033

Expired card - pick up

The cardholder's bank has declined the payment because the card has expired.

30034

Suspected fraud - pick up

The cardholder's bank has declined the payment because it suspects fraudulent activity on the account.

30035

Contact acquirer - pick up

The cardholder’s bank has declined the payment.

30036

Restricted card - pick up

The cardholder's bank has declined the payment because the card is restricted.

30037

Call acquirer security - pick up

The cardholder’s bank has declined the payment.

30038

Allowable PIN tries exceeded - pick up

The cardholder has exceeded the number of PIN entry attempts allowed by their bank.

30041

Lost card - pick up

The cardholder’s bank has declined the payment because the card has been reported lost.

  • For a one-off transaction, do not attempt the transaction again, and if possible do not provide goods or services to the person attempting the transaction.
  • For a recurring or scheduled transaction, it is possible that the card was lost after the last successfully processed payment (or after the authorization for the scheduled payment). In that case, contact your customer for a new credit card number, or ask for a different form of payment. Replace the lost account number on the schedule with the new account number

30043

Stolen card - pick up

The cardholder’s bank has declined the payment because the card has been reported stolen.

  • For a one-off transaction, do not attempt the transaction again, and if possible do not provide goods or services to the person attempting the transaction.
  • For a recurring or scheduled transaction, it is possible that the card was lost after the last successfully processed payment (or after the authorization for the scheduled payment). In that case, contact your customer for a new credit card number, or ask for a different form of payment. Replace the lost account number on the schedule with the new account number.

30044

Transaction rejected - AMLD5

Transaction was initiated from an anonymous, non-reloadable prepaid card and for an amount greater than 50 EUR. Due to the AMLD5 directive, it cannot be fulfilled.

30045

Invalid payout fund transfer type

If the fund transfer type is not among the list that was configured for allowed fund transfer types, the transaction would fail.

30046

Closed account

The destination account is closed, and the transaction will never be approved, so do not reattempt the transaction. The cardholder must contact their issuing bank.


Risk responses (40X)

Risk responses are triggered by our risk engine and will appear in the response_code of a payment response.

Configuring your risk settings

If you want to change your risk settings, please get in touch with our Risk team at risk@checkout.com.

CodeTextDescription

40101

Risk blocked transaction

The request was blocked by your risk settings.

40102

Country not supported

The country in which the shopper is located is restricted by your risk settings.

40103

Gateway reject - blacklist transaction cannot be processed - payment attributes in blacklist

One or more of the payment attributes has been blacklisted by your settings or our international blacklist database.

40104

Gateway Reject - CVV is missing or incorrect

Payment was voided after authorization because your configuration requires a CVV to be entered, but no CVV was provided with this payment, or the CVV was incorrect.

40108

Gateway Reject - Post code failed

The card’s ZIP or postcode failed validation.

40109

Gateway Reject - Missing required data

The request is missing required data.

40110

Missing 3DS data, or data is not correct

The request is either missing 3DS data or contains incorrect data.

40111

Voided - AVS not matched

The payment was voided after authorization by an Address Verification Service (AVS) risk filter which voids payments when the AVS returns a no match (AVS = N). The response_code will show 10000, but the response_summary will show 40111. See example.

40131

Mismatch - Shipping to billing shipping country does not match billing country

The payment was declined because the shipping country does not match the billing country..

40132

Mismatch - Shipping to BIN shipping country does not match BIN country

The payment was declined because the shipping country does not match the bank identification number (BIN) country.

40133

Mismatch - Shipping to IP Shipping country does not match IP country

The payment was declined because the cardholder's IP address does not match the shipping country.

40134

Mismatch - Shipping country to phone (country)

40135

Mismatch - Billing to BIN Billing country does not match BIN country

The payment was declined because the BIN country does not match the billing country.

40136

Mismatch - Billing to IP billing country does not match IP country

The payment was declined because the cardholder's IP address does not match the billing country.

40138

Mismatch - BIN to IP Bin country does not match IP country

The payment was declined because the cardholder's IP address does not match the BIN country.

40139

Mismatch - BIN country to phone (country)

40141 - 40149

Threshold Risk

40150

Card velocity - Daily - Approved only

40151

Card velocity - Daily - All transactions

40152

Card velocity - Weekly - Approved only

40153

Card velocity - Weekly - All transactions

40154

Card velocity - Monthly - Approved only

40155

Card velocity - Monthly - All transactions

40160

Email velocity - Daily - Approved only

40161

Email velocity - Daily - All transactions

40162

Email velocity - Weekly - Approved only

40163

Email velocity - Weekly - All transactions

40164

Email velocity - Monthly - Approved only

40165

Email velocity - Monthly - All transactions

40170

IP velocity - Daily - Approved only

40171

IP velocity - Daily - All transactions

40181

Verified Info - Email

40182

Verified Info - Address

40183

Verified Info - Proxy

40184

Verified Info - IP country in high risk country

40185

Verified info - shipping country in high risk country

40186

Verified Info - Billing country in high risk country

40187

Verified Info - BIN country in high risk country

40201

Gateway reject - card number blacklist

40202

Gateway reject - IP address blacklist

40203

Gateway reject - email blacklist

40204

Gateway reject - phone number blacklist

40205

Gateway Reject - BIN number blacklist

40210

Bin Velocity - Daily - Approved Only

40211

Bin Velocity - Daily - All transactions

40212

Bin Velocity - Weekly - Approved Only

40213

Bin Velocity - Weekly - All transactions

40214

Bin Velocity - Monthly - Approved Only

40215

Bin Velocity - Monthly - All transactions

40216

Billing Address Line 1 Velocity - Daily - Approved Only

40217

Billing Address Line 1 Velocity - Daily - All transactions

40218

Billing Address Line 1 Velocity - Weekly - Approved Only

40219

Billing Address Line 1 Velocity - Weekly - All transactions

40220

Billing Address Line 1 Velocity - Monthly - Approved Only

40221

Billing Address Line 1 Velocity - Monthly - All transactions

40222

Shipping Address Line 1 Velocity - Daily - Approved Only

40223

Shipping Address Line 1 Velocity - Daily - All transactions

40224

Shipping Address Line 1 Velocity - Weekly - Approved Only

40225

Shipping Address Line 1 Velocity - Weekly - All transactions

40226

Shipping Address Line 1 Velocity - Monthly - Approved Only

40227

Shipping Address Line 1 Velocity - Monthly - All transactions

40228

CardHolder Name Velocity - Daily - Approved Only

40229

CardHolder Name Velocity - Daily - All transactions

40230

CardHolder Name Velocity - Weekly - Approved Only

40231

CardHolder Name Velocity - Weekly - All transactions

40232

CardHolder Name Velocity - Monthly - Approved Only

40233

CardHolder Name Velocity - Monthly - All transactions

40234

UDF1 Velocity - Daily - Approved Only

40235

UDF1 Velocity - Daily - All transactions

40236

UDF1 Velocity - Weekly - Approved Only

40237

UDF1 Velocity - Weekly - All transactions

40238

UDF1 Velocity - Monthly - Approved Only

40239

UDF1 Velocity - Monthly - All transactions

Example response: 40111 - No AVS Match

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{
"id": "pay_yinxyc2kx6cu3gpytvlfos2co4",
"action_id": "act_yinxyc2kx6cu3gpytvlfos2co4",
"amount": 100,
"currency": "USD",
"approved": true,
"status": "Authorized",
"auth_code": "563843",
"eci": "05",
"scheme_id": "013071238766729",
"response_code": "10000",
"response_summary": "40111 - No AVS Match",
"risk": {
"flagged": false
}
...
}