Response codes

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 type	Code range	Location in response	Description
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 (10*)

Code	Description
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

{
  "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": "jokershere@gmail.com",
    "name": "Jack Napier"
  },
  "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 (20*)

Code	Text	Description
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	_{Learn more.}
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
200R3	Issuer initiated a stop payment (revocation order) for all Authorizations
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
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.

Hard decline (30*)

Code	Text	Description
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 (40*)

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.

Code	Text	Description
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

{
  "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
  }
...
}