C
Checkout.comCheckout 20012
Invalid Transaction
Hard Decline
Permanent failures that should not be retried
Do Not Retry
Retry will not succeed
Description
The issuer has rejected the transaction as invalid. The transaction type or parameters are not accepted.
Recommended Action
Review the transaction details. Do not retry with the same parameters.
Common Causes
- Transaction type not supported by the issuer
- Invalid transaction parameters
- Card not eligible for this type of transaction
Recovery Tips
- Verify the transaction type is supported
- Request an alternative payment method from the customer
Quick Reference
Code
20012
Category
Hard Decline
Retryable
No
Source
Checkout
Recoverability verdict
Retrying 20012 will not work
This is a hard decline. Retrying code 20012 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
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.
20013Non-Retryable
Invalid Amount
The transaction amount is invalid or outside the acceptable range.
20014Non-Retryable
Invalid Account Number
The card number provided is incorrect, invalid, or does not exist.