Checkout.com · Decline codes
What does Checkout.com 20062 “Restricted card” mean?
Checked
Checkout.com 20062 "Restricted card" means the bank has placed a restriction on the card that blocks this payment. Checkout.com tells the shopper to try a different card or contact the bank. Visa lists it in category 2, so it may clear later, but only after the restriction is lifted by the bank.
- Type
- Soft decline (20xxx)
- Who declined
- The shopper's card issuer
- Retry
- Later. Visa category 2: at most 15 retries in 30 days
- Shopper action
- Use another card or contact the bank
- Merchant action
- Do not keep retrying; ask for another method
What PlatformDTC does
PlatformDTC classifies Checkout.com 20062 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 20062 is never retried: the subscription is held past due and the customer is emailed a link to add a new card.
Why it happens
Restrictions include cards limited to one country, cards frozen by the cardholder, or a bank block after suspicious activity.
What the shopper can do
Check the banking app for a freeze or travel setting, call the bank, or use another card.
What the store can do
Offer alternatives and avoid repeated attempts on the same card.
For developers
The payment comes back with status Declined, response_code 20062 and a response_summary such as "Restricted card" (Checkout.com notes the text can vary by endpoint). Checkout.com's Visa table puts this code in category 2, which it pairs with recommendation code 02 (try again later); read processing.recommendation_code on the response.
Frequently asked questions
- Is Checkout.com 20062 the same as Stripe restricted_card?
- Yes in meaning. Stripe documents restricted_card as the customer can't use this card to make this payment.
- Can 20062 be retried?
- Visa permits retries in category 2, but nothing changes until the bank lifts the restriction.
Sources
- API response codes — Checkout.com
- Visa response codes — Checkout.com
- Mapping to Visa system integrity fee categories — Adyen
- Decline codes — Stripe
Related
- 20063 — The bank refused for a security reason tied to the card details or authentication.
- 20057 — The card is not allowed to make this kind of payment. Visa says never retry it.
- 20054 — The card's expiry date has passed. Only a new card or updated date can work.
- 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.
- 20068 — The bank did not answer in time, so the payment failed.
- 20075 — The card is locked after too many wrong PIN attempts.
- 20078 — A new or replacement card has not been activated yet.