C
Checkout.comCheckout 20001
Refer to Card Issuer
Soft Decline
Temporary failures that may succeed on retry
Retryable
This decline may succeed on retry
Description
The issuer has declined the transaction and asks the cardholder to contact them. This is a generic referral response.
Recommended Action
Ask the customer to contact their card issuer for more information. Retry after a delay.
Common Causes
- Issuer wants to verify the cardholder's identity
- Unusual transaction pattern flagged for manual review
- Temporary hold placed by the issuer
Recovery Tips
- Send a dunning email asking the customer to contact their bank
- Retry after 24 hours
- Consider requesting 3D Secure authentication on retry
Quick Reference
Code
20001
Category
Soft Decline
Retryable
Yes
Source
Checkout
Recoverability verdict
This is a soft decline. This revenue is often recoverable.
Payments failing with code 20001 are often recoverable with the right retry timing and routing. Slicker recovers up to 70% of soft declines with smart retries.
Related Decline Codes
20002Retryable
Refer to Card Issuer - Special Conditions
The issuer has declined the transaction under special conditions. The cardholder should contact their bank.
20005Retryable
Declined - Do Not Honour
The issuer has declined the transaction without providing a specific reason. This is the most common decline code and covers a wide range of issuer-side rejections.
20009Retryable
Request in Progress
The transaction is currently being processed. A duplicate request may have been submitted.
20015Retryable
No Such Issuer
The card cannot be processed through the debit network. The transaction should be routed to the card's signature network instead.