C
Checkout.comCheckout 20151
Cardholder Failed 3DS Authentication
Soft Decline
Temporary failures that may succeed on retry
Retryable
This decline may succeed on retry
Description
The cardholder did not successfully complete the 3D Secure authentication challenge.
Recommended Action
Ask the customer to retry and complete the 3DS authentication step.
Common Causes
- Cardholder entered incorrect 3DS password or OTP
- Cardholder abandoned the 3DS challenge
- Issuer's 3DS service experienced an error
Recovery Tips
- Send a dunning email asking the customer to retry the payment
- Provide clear instructions for completing the 3DS step
Quick Reference
Code
20151
Category
Soft Decline
Retryable
Yes
Source
Checkout
Recoverability verdict
This is a soft decline. This revenue is often recoverable.
Payments failing with code 20151 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.