B
Braintree (PayPal)Braintree 2099
Cardholder Authentication Required
Soft Decline
Temporary failures that may succeed on retry
Retryable
This decline may succeed on retry
Description
The customer's bank declined the transaction because a 3D Secure authentication was not performed during checkout. Have the customer authenticate using 3D Secure, then attempt the authorization again.
Recommended Action
Retry with 3D Secure authentication.
Common Causes
- SCA/3D Secure authentication required but not performed
Recovery Tips
- Enable 3D Secure in your checkout flow
- For recurring payments, authenticate when setting up the subscription
Quick Reference
Code
2099
Category
Soft Decline
Retryable
Yes
Source
Braintree
Recoverability verdict
This is a soft decline. This revenue is often recoverable.
Payments failing with code 2099 are often recoverable with the right retry timing and routing. Slicker recovers up to 70% of soft declines with smart retries.
Related Decline Codes
2000Retryable
Do Not Honor
The customer's bank is unwilling to accept the transaction. The customer will need to contact their bank for more details regarding this generic decline.
2001Retryable
Insufficient Funds
The account did not have sufficient funds to cover the transaction amount at the time of the transaction — subsequent attempts at a later date may be successful.
2002Retryable
Limit Exceeded
The attempted transaction exceeds the withdrawal limit of the account. The customer will need to contact their bank to change the account limits or use a different payment method.
2003Retryable
Cardholder's Activity Limit Exceeded
The attempted transaction exceeds the activity limit of the account. The customer will need to contact their bank to change the account limits or use a different payment method.