C
Checkout.comCheckout 20055
Incorrect PIN
Soft Decline
Temporary failures that may succeed on retry
Retryable
This decline may succeed on retry
Description
The PIN entered is incorrect or PIN validation could not be completed.
Recommended Action
Ask the customer to re-enter their PIN. If PIN is not applicable, retry without PIN.
Common Causes
- Cardholder entered the wrong PIN
- PIN block could not be decrypted
- PIN validation not available
Recovery Tips
- Prompt the customer to carefully re-enter their PIN
- For online transactions, consider processing without PIN if supported
Quick Reference
Code
20055
Category
Soft Decline
Retryable
Yes
Source
Checkout
Recoverability verdict
This is a soft decline. This revenue is often recoverable.
Payments failing with code 20055 are often recoverable with the right retry timing and routing. Slicker recovers up to 70% of soft declines with smart retries.
Related Decline Codes
20001Retryable
Refer to Card Issuer
The issuer has declined the transaction and asks the cardholder to contact them. This is a generic referral response.
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.