# 721: Declined - Transaction risk

Ratepay rates the default risk of this request as high. This assessment is based on automated processes such as machine learning, fraud prevention rules or negative listing and is evaluated individually for each transaction. It is not possible to complete this transaction with another request.

We recommend guiding the buyer to a secure payment method for their purchase.

We recommend that you limit the number of order attempts when receiving this reason code to 1 per 24 hours.

| Language | Message |
|  --- | --- |
| DEU | Die gewählte Zahlungsart {Produkt} kann nicht genutzt werden. Diese Entscheidung basiert auf einem automatisierten Datenverarbeitungsverfahren. Weitere Informationen finden Sie in den Ratepay [Datenschutzbestimmungen](https://www.ratepay.com/legal-payment-dataprivacy/?lang=de) oder nutzen Sie das Ratepay [Kontaktformular](http://www.ratepay.com/kontakt). |
| ENG | It is not possible to use the selected payment method {Produkt}. This decision is based on automated data processing. You can find further information in the Ratepay [Data Privacy Statement](https://www.ratepay.com/legal-payment-dataprivacy/?lang=en) or use the Ratepay [contact form](https://www.ratepay.com/en/contact/). |
| FRA | Il n'est pas possible d'utiliser le mode de paiement sélectionné {Produkt}. Cette décision est basée sur le traitement automatisé des données. Vous pouvez trouver plus d'informations dans la [Déclaration de confidentialité des données](https://www.ratepay.com/legal-payment-dataprivacy/?lang=en) de Ratepay ou utiliser le [formulaire de contact](https://www.ratepay.com/en/contact/) de Ratepay. |
| NLD | Het is niet mogelijk om de geselecteerde betaalmethode {Produkt} te gebruiken. Deze beslissing is gebaseerd op geautomatiseerde gegevensverwerking. Meer informatie vindt u in de Ratepay [Data Privacyverklaring](https://www.ratepay.com/legal-payment-dataprivacy/?lang=en) of gebruik het Ratepay [contactformulier](https://www.ratepay.com/en/contact/). |


Refers to Result Code:

[401: Transaction result error](/docs/developer/api_integration/payment_1.8/payment_api_documentation/responses/result/401)