Checkout.com · Decline codes
What does Checkout.com 20105 “Gateway reject - Violation” mean?
Checked
Checkout.com 20105 "Gateway reject - Violation" means the gateway rejected the payment because it violated a rule. Checkout.com's guidance is the same as for other gateway rejects: try again with the same card, or use a different card. The card's bank was not the one saying no.
- 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
- Review the payment against your account rules
What PlatformDTC does
Checkout.com 20105 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 20105 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
A gateway rule was broken by the payment's content or settings.
What the shopper can do
Try again or with another card.
What the store can do
If many payments show 20105, ask Checkout.com support which rule is being hit.
For developers
The payment comes back with status Declined, response_code 20105 and a response_summary such as "Gateway reject - Violation" (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 Checkout.com 20105 a fraud block?
- It is a gateway violation; Checkout.com's risk declines use the 4xxxx range.
- Should I retry 20105?
- Checkout.com says you can 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
- 20104 — Checkout.com's gateway rejected the transaction as invalid.
- 20112 — The store's account is not set up for Mastercard's 3-D Secure.
- 20102 — A merchant or wallet identifier in the payment was not valid.
- 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.
- 20153 — A fault in the 3-D Secure system stopped the payment.