API response codes

Last updated: August 19, 2026

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 rangeCode typeDescription

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

Payout and Refund declines

The 50xxx response code range indicates that Checkout.com declined the payout or refund request.

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

Response codeResponse textAdditional 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 codeResponse textAdditional information

20001

Refer to card issuer

Your bank declined the payment. Try a different card or contact your bank for further support.

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

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

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

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.

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.

Internal error

20070

PIN required

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

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

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

20199

Mandate approval pending

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 codeResponse textAdditional 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 successful 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.

30401

Capture amount greater than allowed

The payment failed because the capture amount exceeds the overcapture limit.

30402

Overcapture not allowed for partial capture

Overcapture is not allowed when partial capture is requested.

30403

Overcapture not allowed for partial authorization

Overcapture is not allowed when partial authorization is requested.

30404

Sub-merchant ID missing

The payment failed because the sub-merchant ID field is required in the request.

30405

Invalid order description format

The payment failed because the billing descriptor name contained special characters that are not supported by the acquirer's formatting requirements.

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 codeResponse textAdditional 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:

  1. Sign in to the Dashboard.
  2. Go to Payments > Processing > All payments and select the payment.
  3. 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 codeResponse textAdditional information

42101

Risk Blocked Transaction

The transaction was declined due to an entity-level risk rule.

For more information:

  1. Sign in to the Dashboard.
  2. Go to Payments > Processing > All payments and select the payment.
  3. 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 decline list.

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 codeResponse textAdditional 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 by Autopilot.

43401

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 a payout or refund request.

Response codeResponse textAdditional 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 insufficient funds. For refunds, card payouts, and issuing, the balance check is based on the combined sum of available, pending, and operational balances.

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:

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://{prefix}.api.sandbox.checkout.com/payments/pay_tb4f46qcj6runb3pmbsrrdqd74",
42
    "payment_actions": "https://{prefix}.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://{prefix}.api.sandbox.checkout.com/workflows/events/evt_igyyma6msoledm57qy4efdihhy/actions/wfa_zb7vtvprtipu5l3trvk2m7je6y"
52
        }
53
      }
54
    }
55
  ],
56
  "_links": {
57
    "self": {
58
      "href": "https://{prefix}.api.sandbox.checkout.com/workflows/events/evt_igyyma6msoledm57qy4efdihhy"
59
    },
60
    "payment_actions": {
61
      "href": "https://{prefix}.api.sandbox.checkout.com/payments/pay_tb4f46qcj6runb3pmbsrrdqd74/actions"
62
    },
63
    "payment": {
64
      "href": "https://{prefix}.api.sandbox.checkout.com/payments/pay_tb4f46qcj6runb3pmbsrrdqd74"
65
    }
66
  }
67
}

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

Status codeDescription

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

500

Internal Server Error

502

Bad Gateway

503

Service Unavailable

504

Gateway Timeout