Checkout.com · Decline codes
What does Checkout.com 20057 “Transaction not permitted to cardholder” mean?
Checked
Checkout.com 20057 "Transaction not permitted to cardholder" means the bank does not allow this card to make this type of payment, for example some debit cards that are for regional use only. Visa puts it in category 1, issuer will never approve, so retrying the same card is pointless and can draw fees.
- Type
- Soft decline (20xxx)
- Who declined
- The shopper's card issuer
- Retry
- No. Visa category 1: the issuer will never approve this card
- Shopper action
- Use a different card
- Merchant action
- Do not retry; ask for another payment method
What PlatformDTC does
PlatformDTC classifies Checkout.com 20057 as never retry. Checkout does not offer a backup processor for it, because the same card or the same details fail the same way everywhere. A subscription renewal declined with 20057 is never retried: the subscription is held past due and the customer is emailed a link to add a new card.
Why it happens
The card's product or settings exclude this purchase: online, international, a merchant category, or domestic-only debit.
What the shopper can do
Pay with another card or PayPal, or ask the bank whether this card can be used online.
What the store can do
Stop retrying the card and offer alternatives. Visa category 1 retries are fined.
For developers
The payment comes back with status Declined, response_code 20057 and a response_summary such as "Transaction not permitted to cardholder" (Checkout.com notes the text can vary by endpoint). Checkout.com's Visa table puts this code in category 1, which it pairs with recommendation code 03 (do not try again); read processing.recommendation_code on the response.
Frequently asked questions
- Is 20057 the same as Stripe transaction_not_allowed?
- Stripe's transaction_not_allowed is the closest label for this issuer answer; Stripe shows it as declined for an unknown reason.
- Why does Checkout.com mention regional use?
- Its page lists "Domestic debit transaction not allowed (Regional use only)" as additional text for 20057.
Sources
- API response codes — Checkout.com
- Visa response codes — Checkout.com
- Mapping to Visa system integrity fee categories — Adyen
- Decline codes — Stripe
Related
- 20054 — The card's expiry date has passed. Only a new card or updated date can work.
- 20062 — The bank has restricted the card, for example to certain countries or uses.
- 20063 — The bank refused for a security reason tied to the card details or authentication.
- 20059 — The bank suspects the payment is fraudulent and refused it.
- 20061 — The card's spending limit for a period was reached.
- 20064 — The amount did not match what the bank expected for the original transaction.
- 20065 — The card made too many payments in a short time and hit its frequency limit.