Checkout.com · Decline codes
What does Checkout.com 20103 “Card type / payment method not supported” mean?
Checked
Checkout.com 20103 "Card type / payment method not supported" means this kind of card or payment method cannot be used for the payment. Checkout.com tells the shopper to try again with a different card or contact the bank. The card may be perfectly valid; it is just not accepted on this route.
- Type
- Soft decline (20xxx)
- Who declined
- The bank or the acquirer
- Retry
- Possibly. Visa category 4 (generic): at most 15 retries in 30 days
- Shopper action
- Try a different card
- Merchant action
- Check which card types your account accepts
What PlatformDTC does
On PlatformDTC, a Checkout.com decline with 20103 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. A subscription renewal declined with 20103 is never retried: the subscription is held past due and the customer is emailed a link to add a new card.
Why it happens
Some card brands or products are not enabled on the merchant's account, or the bank does not support the method for this purchase.
What the shopper can do
Use a different card brand or PayPal.
What the store can do
If a whole card brand fails, ask Checkout.com whether it is enabled on your account.
For developers
The payment comes back with status Declined, response_code 20103 and a response_summary such as "Card type / payment method not supported" (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
- Is the card bad if I see Checkout.com 20103?
- No. The card type or method is not supported for this payment.
- Can another processor accept the same card?
- It may, if that processor supports the card type, which is why some checkouts offer a backup route.
Sources
- API response codes — Checkout.com
- Visa response codes — Checkout.com
- Mapping to Visa system integrity fee categories — Adyen
Related
- 20099 — The bank returned a response Checkout.com could not map to a known code.
- 20096 — A system error stopped the payment. Not the shopper's card.
- 20091 — The shopper's bank could not be reached, so it could not approve the payment.
- 20104 — Checkout.com's gateway rejected the transaction as invalid.
- 20105 — Checkout.com's gateway rejected the payment for breaking a rule.
- 20108 — The bank has newer card details for this customer. The old card will not work.
- 20112 — The store's account is not set up for Mastercard's 3-D Secure.
- 20150 — The card is not enrolled in 3-D Secure, so the authentication step could not run.