Checkout.com · Decline codes
What does Checkout.com 20075 “Allowable PIN-entry tries exceeded” mean?
Checked
Checkout.com 20075 "Allowable PIN-entry tries exceeded" means the bank has locked the card because the PIN was entered wrongly too many times. Checkout.com's shopper message is to try a different card or contact the bank. Visa lists it in category 2, so it can work again once the bank lifts the lock.
- 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 ask the bank to reset the PIN lock
- Merchant action
- Offer another payment method
What PlatformDTC does
For Checkout.com 20075, PlatformDTC's checkout does not offer PayPal card fields or any backup processor. Unlisted codes never reroute, because guessing wrong costs more than the one recovery it might win. A subscription renewal declined with 20075 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 PIN lock was set by earlier wrong PIN entries, often at a shop or ATM, and now blocks this payment too.
What the shopper can do
Ask the bank to reset the PIN lock, or pay with another card.
What the store can do
Offer alternatives. Retrying online does not reset a PIN lock.
For developers
The payment comes back with status Declined, response_code 20075 and a response_summary such as "Allowable PIN-entry tries exceeded" (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
- Why would an online store see Checkout.com 20075?
- The lock sits on the card itself, so it can block a card-not-present payment even though no PIN was asked.
- Can I retry 20075?
- Visa allows category 2 retries, but nothing changes until the bank resets the lock.
Sources
- API response codes — Checkout.com
- Visa response codes — Checkout.com
- Mapping to Visa system integrity fee categories — Adyen
Related
- 20078 — A new or replacement card has not been activated yet.
- 20082 — The card's security data failed the bank's checks.
- 20064 — The amount did not match what the bank expected for the original transaction.
- 20087 — The security code or expiry date entered is wrong.
- 20091 — The shopper's bank could not be reached, so it could not approve the payment.
- 20093 — The bank refused because the payment would break a law or regulation it applies.
- 20096 — A system error stopped the payment. Not the shopper's card.