Checkout.com · Decline codes
What does Checkout.com 20102 “Invalid merchant / wallet ID” mean?
Checked
Checkout.com 20102 "Invalid merchant / wallet ID" means the payment failed because a merchant or wallet identifier was not valid. Checkout.com calls it a technical issue and says to request support if it persists. It usually involves how a wallet such as Apple Pay or Google Pay is set up for the store.
- Type
- Soft decline (20xxx), technical
- Who declined
- The store's setup or wallet configuration
- Retry
- Possibly. Visa category 4 (generic): at most 15 retries in 30 days
- Shopper action
- Try another payment method
- Merchant action
- Check the wallet and merchant setup; contact Checkout.com support
What PlatformDTC does
Checkout.com 20102 is not in PlatformDTC's reroute table, and PlatformDTC never reroutes a code it has not classified: checkout shows the decline instead of sending the card to a backup processor. Checkout.com 20102 is not yet in PlatformDTC's renewal table, so a renewal declined with it follows the store's normal retry schedule and is logged so it can be classified.
Why it happens
The merchant or wallet identifier sent did not match an active configuration.
What the shopper can do
Pay with a typed card or another method.
What the store can do
Review the wallet configuration in your Checkout.com account and raise a ticket with the payment reference.
For developers
The payment comes back with status Declined, response_code 20102 and a response_summary such as "Invalid merchant / wallet ID" (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
- Does 20102 mean the shopper's wallet is broken?
- Not usually. The identifier on the merchant side is the likely problem.
- Will retrying Checkout.com 20102 help?
- Not until the configuration is fixed.
Sources
- API response codes — Checkout.com
- Visa response codes — Checkout.com
- Mapping to Visa system integrity fee categories — Adyen
Related
- 20104 — Checkout.com's gateway rejected the transaction as invalid.
- 20105 — Checkout.com's gateway rejected the payment for breaking a rule.
- 20112 — The store's account is not set up for Mastercard's 3-D Secure.
- 20103 — This card type or payment method is not supported for the payment.
- 20108 — The bank has newer card details for this customer. The old card will not work.
- 20150 — The card is not enrolled in 3-D Secure, so the authentication step could not run.