Checkout.com · Decline codes
What does Checkout.com 20068 “Response received too late / Timeout” mean?
Checked
Checkout.com 20068 "Response received too late / Timeout" means the payment failed because the issuer's answer did not arrive in time. Checkout.com calls it a technical issue: try again with the same card, or use a different card. It says nothing about the card being bad.
- Type
- Soft decline (20xxx), technical
- Who declined
- The bank or network, by timing out
- Retry
- Possibly. Visa category 4 (generic): at most 15 retries in 30 days
- Shopper action
- Try again with the same card, or use another
- Merchant action
- Allow a new attempt; check for duplicates first
What PlatformDTC does
On PlatformDTC, a Checkout.com decline with 20068 is on the reroute list. When the store has PayPal card payments switched on as its backup, checkout immediately offers the shopper that second route instead of a dead end, and PayPal card orders still pass the store's fraud rules. With Smart retry on, a subscription renewal declined with 20068 is retried 2, 5 and 8 days after the first decline.
Why it happens
The bank's systems were slow or a connection dropped between the network and the bank, so the authorization timed out.
What the shopper can do
Wait a moment and pay again. Another card is fine too.
What the store can do
A new attempt is reasonable. Make sure the shopper was not charged twice before asking them to retry.
For developers
The payment comes back with status Declined, response_code 20068 and a response_summary such as "Response received too late / Timeout" (Checkout.com notes the text can vary by endpoint). Checkout.com's Visa table puts this code in category 4, which it pairs with recommendation code 02 (try again later); read processing.recommendation_code on the response.
Frequently asked questions
- Was the shopper charged on 20068?
- The payment failed, so it should not be approved. Check the Dashboard before a second attempt to rule out duplicates.
- Can I retry Checkout.com 20068?
- Yes. Checkout.com's own advice is to try again with the same card or a different one.
Sources
- API response codes — Checkout.com
- Visa response codes — Checkout.com
- Mapping to Visa system integrity fee categories — Adyen
Related
- 20091 — The shopper's bank could not be reached, so it could not approve the payment.
- 20096 — A system error stopped the payment. Not the shopper's card.
- 20099 — The bank returned a response Checkout.com could not map to a known code.
- 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.
- 20093 — The bank refused because the payment would break a law or regulation it applies.