C
Checkout.com20054
Expired Card
Hard Decline
Permanent failures that should not be retried
Do Not Retry
Retry will not succeed
Description
The card's expiration date has passed. The card is no longer valid for transactions.
Recommended Action
Ask the customer to update their card details with their new card information.
Common Causes
- Card expiration date has passed
- Replacement card was issued but payment method was not updated
Recovery Tips
- Use Account Updater to automatically fetch new card credentials
- Send a dunning email prompting the customer to update their payment method
Quick Reference
Code
20054
Category
Hard Decline
Retryable
No
Source
Checkout
Related Decline Codes
20003Non-Retryable
Invalid Merchant
The merchant ID or service provider configuration is invalid. This is typically a technical setup issue.
20006Non-Retryable
Error
The request contained invalid parameters. The issuer or gateway could not process the transaction as submitted.
20012Non-Retryable
Invalid Transaction
The issuer has rejected the transaction as invalid. The transaction type or parameters are not accepted.
20013Non-Retryable
Invalid Amount
The transaction amount is invalid or outside the acceptable range.
Automate Payment Recovery for Checkout
Slicker automatically handles decline codes like 20054 by intelligently retrying at the optimal time based on the decline reason.