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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 typeCode rangeLocation in responseDescription
APPROVED10000

response_code

response_summary

The request was successful
SOFT DECLINE20000

response_code

response_summary

The request was declined, though subsequent attempts may be successful
HARD DECLINE30000

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 RESPONSES40000

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*)

CodeDescription
10000Approved
10008Approved - Honor with ID (Debit Cards)
10011Approved - VIP (not used)
10076Approved (Country Club)
10077Approved (Local Banks)
10081Approved (Approved Commercial)
10100Flagged as a potentially risky transaction
10200Deferred 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*)

CodeTextDescription
20001Refer to card issuer
20002Refer to card issuer - special conditions
20003Invalid merchant or merchant is not active
20005Declined - Do Not HonourLearn more.
20006Error / Invalid request parameters
20009Request in progress
20010Partial value approved
20012Invalid transactionThe 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.
20013Invalid value/amount

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


20014Invalid card number
20017Customer cancellation
20018Customer dispute
20019Re-enter transaction or transaction has expired
20020Invalid response
20021No action taken
20022Suspected malfunction
20023Unacceptable transaction fee
20024File Update not supported by the receiver
20025Unable to Locate Record on File
20026Duplicate file update record
20027File update field edit error
20028File update file locked out
20029File update not successful
20030Format error
20031Bank not supported by Switch
20032Completed partially
20038Allowable PIN tries exceeded
20039No CREDIT Account
20040Requested function not supported
20042No universal value/amount
20044No investment account
20046Bank decline
20051Insufficient funds
20052No cheque account
20053No savings account
20054Expired card
20055Incorrect PIN (invalid Amex CVV)
20056No card record
20057Transaction not permitted to cardholderIssuer has declined the transaction because the card cannot be used for this sort of transaction.
20058Transaction not permitted to terminal
20059Suspected fraud
20060Card acceptor contact acquirer
20061Exceeds withdrawal value/amount limits

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

20062Restricted 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.


20063Security 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.

20065Exceeds Withdrawal Frequency Limit

Occurs if the defined withdrawal frequency limit has been exceeded.

20066Card acceptor call acquirer security
20067Hard capture - pick up card at ATM
20068Response received too Late / Timeout
20075Allowable PIN tries exceeded
20078Blocked 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.
20082No security model
20083No accounts
20084No PBF
20085PBF update error
20086ATM malfunction / Invalid authorisation type
20087Bad track data (invalid CVV and/or expiry date)
20088Unable to dispense/process
20089Administration error
20090Cut-off in progress
20091Issuer or Switch is inoperative


20092Financial 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.

20094Duplicate transmission/invoice
20095Reconcile error
20096System malfunctionTransaction does not pass Issuer system checks on fields.
20097Reconciliation Totals Reset
20098MAC error
20099Other / Unidentified responses
2006PCardholder ID verification failedCardholder 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.
200N0Unable to authorize
200N7Decline for CVV2 failure
200O5Pin required
200P1Over daily limit
200P9Limit exceeded. Enter a lesser value.
200R1Issuer initiated a stop payment (revocation order) for the Authorization
200R3Issuer initiated a stop payment (revocation order) for all Authorizations
200S4PTLF Full
200T2Invalid transaction date
200T3Card not supported
200T5CAF status = 0 or 9
20100Invalid expiry date format
20101No account / No customer (token incorrect or invalid)
20102Invalid merchant/Wallet ID
20103Card type/Payment method not supported
20104Gateway reject - invalid transaction
20105Gateway reject - violation
20106Unsupported currency
20107Billing address is missing
20108Declined - Updated cardholder available
20109Authorization already reversed (voided) or capture is larger than initial authorised value
20110Authorization completed
20111Transaction already reversed
20112Merchant not Mastercard SecureCode enabled
20113Invalid property
20114Invalid channel or token is incorrect
20115Missing/Invalid lifetime
20116Invalid encoding
20117Invalid API version
20118Transaction pending
20119Invalid batch data and/or batch data is missing
20120Invalid customer/user
20121Transaction limit for merchant/terminal exceeded
20123MISSING BASIC DATA: zip, addr, member
20124Missing CVV value, required for ecommerce transaction
20150Card not 3D Secure (3DS) enabled
20151Cardholder failed 3DS authentication
20152Initial 3DS transaction not completed within 15 minutes
201533DS system malfunction
201543DS authentication requiredIssuer requests a non-3DS payment be resubmitted with 3DS authentication.
201553DS authentication service provided invalid authentication result
20156Requested function not supported by the acquirer
20157Invalid merchant configurations - Contact Support

Hard decline (30*)

CodeTextDescription
30004Pick 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.
30007Pick 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.
30015No 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.

30016Issuer does not allow online gambling payoutIssuer does not allow online gambling payout.
30017Issuer does not allow original credit transaction

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

Only applies to OCTs.

30018Issuer does not allow money transfer payout

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

Only applies to OCTs.

30019Issuer does not allow non-money transfer payout

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

Only applies to OCTs.

30020Invalid amountInvalid amount.
30021Total amount limit reachedVolume limit reached on the account.
30022Total transaction count limit reachedTransaction count limit reached on the account.
30033Expired card - pick upThe cardholder's bank has declined the payment because the card has expired.
30034Suspected fraud - pick upThe cardholder's bank has declined the payment because it suspects fraudulent activity on the account.
30035Contact acquirer - pick upThe cardholder’s bank has declined the payment.
30036Restricted card - pick upThe cardholder's bank has declined the payment because the card is restricted.
30037Call acquirer security - pick upThe cardholder’s bank has declined the payment.
30038Allowable PIN tries exceeded - pick upThe cardholder has exceeded the number of PIN entry attempts allowed by their bank.
30041Lost 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
30043Stolen 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.
30044Transaction rejected - AMLD5Transaction 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.
30045Invalid payout fund transfer typeIf the fund transfer type is not among the list that was configured for allowed fund transfer types, the transaction would fail.
30046Closed accountThe 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.

CodeTextDescription
40101Risk blocked transactionThe request was blocked by your risk settings.
40102Country not supportedThe country in which the shopper is located is restricted by your risk settings.
40103Gateway reject - blacklist transaction cannot be processed - payment attributes in blacklistOne or more of the payment attributes has been blacklisted by your settings or our international blacklist database.
40104Gateway Reject - CVV is missing or incorrectPayment 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.
40108Gateway Reject - Post code failedThe card’s ZIP or postcode failed validation.
40109Gateway Reject - Missing required dataThe request is missing required data.
40110Missing 3DS data, or data is not correctThe request is either missing 3DS data or contains incorrect data.
40111Voided - AVS not matchedThe 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.
40131Mismatch - Shipping to billing shipping country does not match billing countryThe payment was declined because the shipping country does not match the billing country..
40132Mismatch - Shipping to BIN shipping country does not match BIN countryThe payment was declined because the shipping country does not match the bank identification number (BIN) country.
40133Mismatch - Shipping to IP Shipping country does not match IP countryThe payment was declined because the cardholder's IP address does not match the shipping country.
40134Mismatch - Shipping country to phone (country)
40135Mismatch - Billing to BIN Billing country does not match BIN countryThe payment was declined because the BIN country does not match the billing country.
40136Mismatch - Billing to IP billing country does not match IP countryThe payment was declined because the cardholder's IP address does not match the billing country.
40138Mismatch - BIN to IP Bin country does not match IP countryThe payment was declined because the cardholder's IP address does not match the BIN country.
40139Mismatch - BIN country to phone (country)
40141 - 40149Threshold Risk
40150Card velocity - Daily - Approved only
40151Card velocity - Daily - All transactions
40152Card velocity - Weekly - Approved only
40153Card velocity - Weekly - All transactions
40154Card velocity - Monthly - Approved only
40155Card velocity - Monthly - All transactions
40160Email velocity - Daily - Approved only
40161Email velocity - Daily - All transactions
40162Email velocity - Weekly - Approved only
40163Email velocity - Weekly - All transactions
40164Email velocity - Monthly - Approved only
40165Email velocity - Monthly - All transactions
40170IP velocity - Daily - Approved only
40171IP velocity - Daily - All transactions
40181Verified Info - Email
40182Verified Info - Address
40183Verified Info - Proxy
40184Verified Info - IP country in high risk country
40185Verified info - shipping country in high risk country
40186Verified Info - Billing country in high risk country
40187Verified Info - BIN country in high risk country
40201Gateway reject - card number blacklist
40202Gateway reject - IP address blacklist
40203Gateway reject - email blacklist
40204Gateway reject - phone number blacklist
40205Gateway Reject - BIN number blacklist
40210Bin Velocity - Daily - Approved Only
40211Bin Velocity - Daily - All transactions
40212Bin Velocity - Weekly - Approved Only
40213Bin Velocity - Weekly - All transactions
40214Bin Velocity - Monthly - Approved Only
40215Bin Velocity - Monthly - All transactions
40216Billing Address Line 1 Velocity - Daily - Approved Only
40217Billing Address Line 1 Velocity - Daily - All transactions
40218Billing Address Line 1 Velocity - Weekly - Approved Only
40219Billing Address Line 1 Velocity - Weekly - All transactions
40220Billing Address Line 1 Velocity - Monthly - Approved Only
40221Billing Address Line 1 Velocity - Monthly - All transactions
40222Shipping Address Line 1 Velocity - Daily - Approved Only
40223Shipping Address Line 1 Velocity - Daily - All transactions
40224Shipping Address Line 1 Velocity - Weekly - Approved Only
40225Shipping Address Line 1 Velocity - Weekly - All transactions
40226Shipping Address Line 1 Velocity - Monthly - Approved Only
40227Shipping Address Line 1 Velocity - Monthly - All transactions
40228CardHolder Name Velocity - Daily - Approved Only
40229CardHolder Name Velocity - Daily - All transactions
40230CardHolder Name Velocity - Weekly - Approved Only
40231CardHolder Name Velocity - Weekly - All transactions
40232CardHolder Name Velocity - Monthly - Approved Only
40233CardHolder Name Velocity - Monthly - All transactions
40234UDF1 Velocity - Daily - Approved Only
40235UDF1 Velocity - Daily - All transactions
40236UDF1 Velocity - Weekly - Approved Only
40237UDF1 Velocity - Weekly - All transactions
40238UDF1 Velocity - Monthly - Approved Only
40239UDF1 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
  }
...
}