C
Checkout.comCheckout 20100
Invalid Expiry Date
Technical
System or connectivity issues
Do Not Retry
Retry will not succeed
Description
The expiration date provided is in an invalid format or does not match the card on file.
Recommended Action
Ask the customer to verify and re-enter their card expiry date.
Common Causes
- Expiry date format is incorrect (e.g. MM/YY vs MMYY)
- Expiry date does not match the issuer's records
Recovery Tips
- Implement client-side expiry date format validation
- Send a dunning email asking the customer to update their card details
Quick Reference
Code
20100
Category
Technical
Retryable
No
Source
Checkout
Recoverability verdict
Retrying 20100 will not work
This is a hard decline. Retrying code 20100 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.
20009Retryable
Request in Progress
The transaction is currently being processed. A duplicate request may have been submitted.
20012Non-Retryable
Invalid Transaction
The issuer has rejected the transaction as invalid. The transaction type or parameters are not accepted.