B
Braintree (PayPal)Braintree 2020
Violation
Hard Decline
Permanent failures that should not be retried
Do Not Retry
Retry will not succeed
Description
The customer will need to contact their bank for more information.
Recommended Action
Ask the customer to contact their bank for more information.
Common Causes
- Bank policy violation
Recovery Tips
- Visa: Category 2, limit retries to 15 attempts over a rolling 30-day period
Quick Reference
Code
2020
Category
Hard Decline
Retryable
No
Source
Braintree
Recoverability verdict
Retrying 2020 will not work
This is a hard decline. Retrying code 2020 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
2004Non-Retryable
Expired Card
The card is expired. The customer will need to use a different payment method.
2005Non-Retryable
Invalid Credit Card Number
The customer entered an invalid payment method or made a typo in their credit card information. Have the customer correct their payment information and attempt the transaction again — if the decline persists, they will need to contact their bank.
2006Non-Retryable
Invalid Expiration Date
The customer entered an invalid payment method or made a typo in their card expiration date. Have the customer correct their payment information and attempt the transaction again — if the decline persists, they will need to contact their bank.
2007Non-Retryable
No Account
The submitted card number is not on file with the card-issuing bank. The customer will need to contact their bank.