C
Checkout.comCheckout 20154
3DS Authentication Required
Soft Decline
Temporary failures that may succeed on retry
Retryable
This decline may succeed on retry
Description
The transaction requires 3D Secure authentication to proceed. The payment was not submitted with 3DS.
Recommended Action
Retry the transaction with 3D Secure authentication enabled.
Common Causes
- PSD2/SCA regulations mandate authentication
- Issuer requires 3DS for this transaction
- 3DS was not initiated in the payment request
Recovery Tips
- Enable 3D Secure in your payment flow
- For recurring payments, authenticate the initial setup transaction
Quick Reference
Code
20154
Category
Soft Decline
Retryable
Yes
Source
Checkout
Recoverability verdict
This is a soft decline. This revenue is often recoverable.
Payments failing with code 20154 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.