What violation does Braintree 2020 refer to?

Braintree does not say. Only the shopper's bank can explain it.

Is it safe to retry 2020?

Visa category 2 allows up to 15 in 30 days, but it is wiser to wait until the shopper has spoken to the bank.

Braintree · Decline codes

What does Braintree 2020 “Violation” mean?

Checked October 31, 2026

Braintree 2020 “Violation” is a bank refusal that Braintree types as hard, and its only guidance is that the customer must contact their bank for more information. Braintree maps it to Visa category 2 (cannot approve at this time), which allows up to 15 retries in 30 days, but a retry before the shopper speaks to the bank rarely changes the answer.

Type: Hard decline
Who declined: The shopper's bank
Retry: Yes, later. Visa category 2: at most 15 retries in 30 days
Shopper action: Call the bank
Merchant action: Ask the shopper to contact their bank

What PlatformDTC does

PlatformDTC does not connect to Braintree. On its Stripe checkout PlatformDTC reads both Stripe's label and the raw network code; whichever is stricter decides, so a vague refusal gets one renewal retry after 48–72 hours and a never-approve code gets none.

Why it happens

Braintree does not document what violation the bank means. It is the issuer's decision, not a rule in your account.

What the shopper can do

Call the bank on the number on the card to find out what blocked the payment.

What the store can do

Ask the shopper to call the bank, or offer another payment method. Do not stack retries on the same card.

For developers

Braintree returns processor_response_code 2020 with processor_response_text “Violation” and processor_response_type “hard_declined” on the Transaction object. Braintree maps it to Visa category 2 (issuer cannot approve at this time): at most 15 retries in 30 days.

Frequently asked questions

What violation does Braintree 2020 refer to?: Braintree does not say. Only the shopper's bank can explain it.
Is it safe to retry 2020?: Visa category 2 allows up to 15 in 30 days, but it is wiser to wait until the shopper has spoken to the bank.

Sources

Declines: authorization decline codes — Braintree (PayPal)
Transaction response object — Braintree (PayPal)
Mapping to Visa system integrity fee categories — Adyen