C
Checkout.comCheckout 20059
Suspected Fraud
Fraud/Security
Suspected fraudulent activity or security blocks
Do Not Retry
Retry will not succeed
Description
The issuer has flagged this transaction as potentially fraudulent.
Recommended Action
Do not retry. Ask the customer to contact their bank to authorize the transaction.
Common Causes
- Transaction pattern triggered the bank's fraud detection
- Unusual purchase amount or location
- Multiple rapid transaction attempts
Recovery Tips
- Notify the customer and ask them to confirm with their bank
- Add 3D Secure authentication to reduce fraud flags
- Review your own fraud screening rules
Quick Reference
Code
20059
Category
Fraud/Security
Retryable
No
Source
Checkout
Recoverability verdict
Retrying 20059 will not work
This is a hard decline. Retrying code 20059 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.