Why was my payment risk declined?

Your payment was risk declined because it triggered a Fraud Detection risk rule. The rule was either one of your own, or a Checkout.com global risk rule. The response code tells you which, and the Dashboard shows you the rule that applied.

Check the response code

Every risk declined payment returns a 4xxxx risk response code. The code tells you the reason for the decline, and where the rule came from:

• Client-level response codes – One of your own risk rules declined the payment.
• Checkout.com-level response codes – One of our global risk rules declined the payment.

Check which risk rule was triggered

You can see which rules a payment was assessed against in the Dashboard, and identify whether you need to update any of them.

To view the assessment, you need one of the following user roles:

• Admin
• Risk manager
• A custom role with the Create, edit, or delete rules permission

1. Sign in to the Dashboard.
2. Go to Payments > Processing > All payments.
3. Select the relevant payment to open the Payment details page.
4. Under Payment timeline, select View full assessment.
5. Under Risk strategy assessment, the rule that was triggered is marked True, and the rules that did not apply are marked False.

Check for a Checkout.com global risk rule decline

Checkout.com does not generate an assessment for payments that our global risk rules decline. If you cannot open an assessment, check the response code again. A Checkout.com-level code confirms that one of our global risk rules declined the payment.

To find out which rules we apply and why, see Payment declined by Checkout.com global risk rules.