Payments may be declined by Checkout.com's global risk rules for the following reasons:
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Account funding transaction restrictions
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BIN attacks – The payment may have been part of an enumeration attack used by fraudsters to guess card numbers.
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Compliance – The payment breached regulatory obligations, for example due to an excluded currency or country.
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Excessive retries – Schemes set rules to reduce payment retries that we must comply with.
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Element velocity – The payment followed known fraudulent attempt patterns.
To check why a specific payment was declined, you need the View and search for payments permission:
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Sign in to the Dashboard.
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Go to Payments > Processing > All payments.
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Select the relevant payment to view the Payment details page.
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Under Payment timeline, expand the declined event.
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Find more information about the response code at Checkout.com-level response codes.