Checkout.com · Decline codes
What does Checkout.com 20065 “Exceeds Withdrawal Frequency Limit” mean?
Checked
Checkout.com 20065 "Exceeds Withdrawal Frequency Limit" means the card has gone over the number of transactions its bank allows in a period. Visa puts it in category 2, issuer cannot approve at this time. Checkout.com's payout guidance for this code is to retry the following day, and the same logic applies to purchases.
- 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 try again tomorrow
- Merchant action
- Offer another method; retry the next day
What PlatformDTC does
PlatformDTC files Checkout.com 20065 as try later: same card, same bank, so checkout does not push the shopper to a backup processor, which would only hear the same answer today. With Smart retry on, a subscription renewal declined with 20065 is retried 2, 5 and 8 days after the first decline.
Why it happens
Banks cap how many payments a card can make per day. Several attempts in a row, including failed ones, count toward the cap.
What the shopper can do
Use another card or wait until tomorrow.
What the store can do
Do not retry today. Wait at least a day, and watch for many attempts from one visitor, which can also mean card testing.
For developers
The payment comes back with status Declined, response_code 20065 and a response_summary such as "Exceeds Withdrawal Frequency Limit" (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. On Mastercard, follow processing.partner_merchant_advice_code: 03 and 21 mean do not try again, 24 to 30 give a wait of one hour up to 10 days.
Frequently asked questions
- Do failed attempts count toward Checkout.com 20065?
- The bank decides what it counts; repeated attempts in a short time are the usual trigger for frequency limits.
- When should I retry 20065?
- The following day, as Checkout.com suggests for payouts with this code.
Sources
- API response codes — Checkout.com
- Visa response codes — Checkout.com
- Recommendation codes — Checkout.com
- Mapping to Visa system integrity fee categories — Adyen
Related
- 20061 — The card's spending limit for a period was reached.
- 20051 — The card does not have enough available balance or credit for this amount.
- 200P1 — The card hit its daily spending 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.
- 20082 — The card's security data failed the bank's checks.
- 20087 — The security code or expiry date entered is wrong.