C
Checkout.comCheckout 20150
Card Not 3D Secure Enabled
Soft Decline
Temporary failures that may succeed on retry
Retryable
This decline may succeed on retry
Description
The card is not enrolled in 3D Secure and the transaction requires authentication.
Recommended Action
Retry without mandatory 3DS if your risk policy allows, or ask the customer to use a 3DS-enrolled card.
Common Causes
- Card is not enrolled in 3D Secure
- Issuer does not support 3DS for this card
Recovery Tips
- Adjust your 3DS policy to attempt non-3DS fallback where allowed
- Request the customer use a different card that supports 3DS
Quick Reference
Code
20150
Category
Soft Decline
Retryable
Yes
Source
Checkout
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.
Checkout 20150 recovery
Recover more payments like Checkout 20150
Slicker handles codes like 20150 by combining decline reason, issuer behavior, BIN data, and timing signals to choose the next best recovery action.
Analyze this in our payment data