Checkout.com · Decline codes
What does Checkout.com 20104 “Gateway reject - Invalid transaction” mean?
Checked
Checkout.com 20104 "Gateway reject - Invalid transaction" means the gateway rejected the payment before or during processing. Checkout.com calls it a technical issue: try again with the same card, or use a different card. Unlike a bank refusal, the issuer may never have seen it.
- Type
- Soft decline (20xxx), technical
- Who declined
- The payment gateway
- Retry
- Possibly. Visa category 4 (generic): at most 15 retries in 30 days
- Shopper action
- Try again with the same card, or another card
- Merchant action
- Check the request if it repeats
What PlatformDTC does
For Checkout.com 20104, 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. Checkout.com 20104 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 transaction failed the gateway's validation, so it was rejected as invalid.
What the shopper can do
Try paying again, or use another card.
What the store can do
If it recurs, compare the request against Checkout.com's payment API requirements and contact support.
For developers
The payment comes back with status Declined, response_code 20104 and a response_summary such as "Gateway reject - Invalid transaction" (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
- Did the bank decline Checkout.com 20104?
- The response says gateway reject, so the refusal came from the gateway, not the issuer.
- Can I retry 20104?
- Yes. Checkout.com suggests trying again with the same or another card.
Sources
- API response codes — Checkout.com
- Visa response codes — Checkout.com
- Mapping to Visa system integrity fee categories — Adyen
Related
- 20105 — Checkout.com's gateway rejected the payment for breaking a rule.
- 20102 — A merchant or wallet identifier in the payment was not valid.
- 20112 — The store's account is not set up for Mastercard's 3-D Secure.
- 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.
- 20151 — The shopper did not pass the bank's verification step.
- 20152 — The bank's verification step was left unfinished for 15 minutes and expired.