C
Checkout.comCheckout 20101
No Account
Hard Decline
Permanent failures that should not be retried
Do Not Retry
Retry will not succeed
Description
The card number does not correspond to any known account, or the token is invalid.
Recommended Action
Ask the customer to verify their card number or use a different payment method.
Common Causes
- Card number does not exist in the issuer's system
- Token is incorrect or has expired
- Account has been closed
Recovery Tips
- Request updated payment details from the customer
- Check if the stored token needs to be refreshed
Quick Reference
Code
20101
Category
Hard Decline
Retryable
No
Source
Checkout
Recoverability verdict
Retrying 20101 will not work
This is a hard decline. Retrying code 20101 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.