---
description: Understand the Amazon Pay Checkout Session Declined reason code. Learn why it occurs, how to handle MFA failures, and why retries will not succeed.
title: Amazon Pay Checkout Code Declined: Payment Declined
image: https://cdn.smartretry.com/_next/static/media/og-image.0z0q4_5kazzzo.jpeg
---

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Amazon Pay · Payment Status

# Amazon Pay Payment Status Declined: Payment Declined (Checkout)

Generic checkout session decline reason code covering fraud declines, failure to complete MFA challenge, and issues with the payment instrument. Review Charge object for specific decline reason.

## What it means

This is a generic checkout session decline reason code returned by Amazon Pay indicating the payment intent could not be completed. It covers a broad range of underlying issues, including fraud-related declines, failure to complete a multi-factor authentication (MFA) challenge, or problems with the selected payment instrument. Because this occurs at the checkout session level, it acts as a consolidated outcome; you must check the specific Charge object for more granular details about the failure.

## Classification & retryability

hardfraudRetryable: no

## Common causes

* The buyer failed to successfully complete a multi-factor authentication (MFA) challenge.
* The transaction was blocked due to suspected fraud by the issuer or Amazon Pay's internal fraud filters.
* The payment instrument has insufficient funds, is expired, or is otherwise invalid.

## How to resolve it

Treat this checkout session as permanently failed for the provided payment instrument. Do not attempt to retry the transaction using the same payment method, as Amazon Pay explicitly states that retries will not succeed. Instead, prompt the buyer to select an alternative funding source. To understand the exact root cause for internal reporting, inspect the underlying Charge object API response.

### For merchants

Configure your checkout flow to immediately surface a clear error message indicating the payment method cannot be used. Prompt the customer to choose or enter a different payment instrument. Do not route this transaction to an automated retry engine for the same card. Check the Charge object for specific classifications like HardDeclined or AmazonRejected to map the underlying cause.

### For customers

Select a different payment method or add a new card to your Amazon Pay wallet to complete the purchase. Contact your issuing bank if you suspect your card was blocked due to an authentication issue or a fraud filter.

## Sources

* [Amazon Pay Developer Documentation – Checkout Session (v1)](https://developer.amazon.com/docs/amazon-pay-api-v2/v1-checkout-session.html)
* [Amazon Pay Developer Documentation – Charge API](https://developer.amazon.com/docs/amazon-pay-api-v2/charge.html)
* [Amazon Pay Business Blog – Managing declines](https://pay.amazon.com/blog/for-businesses/managing-declines)

---

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