Checkout.com · Decline codes
What does Checkout.com 20063 “Security violation” mean?
Checked
Checkout.com 20063 "Security violation" means the issuer refused the payment on security grounds. Visa puts it in category 3, issuer cannot approve with these details, which Checkout.com pairs with recommendation code 01: updated or additional information required. Sending the same details again will fail the same way.
- Type
- Soft decline (20xxx)
- Who declined
- The shopper's card issuer
- Retry
- Only with corrected details. Visa category 3: at most 15 attempts in 30 days
- Shopper action
- Use another card or contact the bank
- Merchant action
- Do not retry the same details
What PlatformDTC does
In PlatformDTC's routing table Checkout.com 20063 is a never-retry decline: no automatic second attempt and no reroute to PayPal card fields, since retrying the same card only adds refusals to the store's record. A subscription renewal declined with 20063 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 bank's security checks on the card, its verification data or the authentication did not pass.
What the shopper can do
Try another card, or call the bank to find out what triggered the block.
What the store can do
Ask for another payment method. Repeating the same details only adds declines.
For developers
The payment comes back with status Declined, response_code 20063 and a response_summary such as "Security violation" (Checkout.com notes the text can vary by endpoint). Checkout.com's Visa table puts this code in category 3, which it pairs with recommendation code 01 (updated or additional information required); read processing.recommendation_code on the response.
Frequently asked questions
- Is 20063 fraud?
- Not necessarily. It is a security refusal; the bank does not say whether it suspects fraud.
- What would make 20063 pass?
- Different or corrected details, such as another card, as the category 3 guidance says.
Sources
- API response codes — Checkout.com
- Visa response codes — Checkout.com
- Recommendation codes — Checkout.com
- Mapping to Visa system integrity fee categories — Adyen
Related
- 20062 — The bank has restricted the card, for example to certain countries or uses.
- 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.