C
Checkout.comCheckout 20014
Invalid Account Number
Hard Decline
Permanent failures that should not be retried
Do Not Retry
Retry will not succeed
Description
The card number provided is incorrect, invalid, or does not exist.
Recommended Action
Ask the customer to re-enter their card details or use a different card.
Common Causes
- Typo in the card number
- Card number does not pass Luhn check
- Account has been closed or does not exist
Recovery Tips
- Implement client-side card number validation (Luhn algorithm)
- Send a dunning email asking the customer to update their payment method
Quick Reference
Code
20014
Category
Hard Decline
Retryable
No
Source
Checkout
Recoverability verdict
Retrying 20014 will not work
This is a hard decline. Retrying code 20014 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.
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.