A
AdyenAdyen 20
FRAUD
Fraud/Security
Suspected fraudulent activity or security blocks
Do Not Retry
Retry will not succeed
Description
Pre-authorisation risk checks resulted in a fraud score of 100 or more. The transaction is flagged as fraudulent.
Recommended Action
Do not retry. Investigate the transaction and the customer.
Common Causes
- High fraud risk score from Adyen risk engine
- Multiple risk signals triggered
Recovery Tips
- Review RevenueProtect risk rules
- If the customer is legitimate, consider adjusting risk thresholds
- Request an alternative payment method after verification
Quick Reference
Code
20
Category
Fraud/Security
Retryable
No
Source
Adyen
Recoverability verdict
Retrying 20 will not work
This is a hard decline. Retrying code 20 will not recover the payment. But most merchants seeing this code also have soft declines they are not recovering. Check what your retry strategy is leaving behind.
Related Decline Codes
5Non-Retryable
Blocked Card
The card used for the transaction is blocked and therefore unusable.
6Non-Retryable
Expired Card
The card used for the transaction has expired and is therefore unusable.
8Non-Retryable
Invalid Card Number
The specified card number is incorrect or invalid.
10Non-Retryable
Not Supported
The shopper's bank does not support or does not allow this type of transaction.