Checkout.com · Decline codes
What does Checkout.com 20112 “Merchant not Mastercard SecureCode enabled” mean?
Checked
Checkout.com 20112 "Merchant not Mastercard SecureCode enabled" means the payment failed because the merchant account is not enabled for Mastercard's authentication programme. Checkout.com calls it a technical issue: request support and give the payment reference number. The shopper's card is not the problem.
- Type
- Soft decline (20xxx), technical
- Who declined
- The store's Checkout.com setup
- Retry
- Possibly. Visa category 4 (generic): at most 15 retries in 30 days
- Shopper action
- Use another card or payment method
- Merchant action
- Contact Checkout.com support with the payment reference
What PlatformDTC does
For Checkout.com 20112, 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 20112 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
Mastercard authentication was needed or attempted, but the merchant is not enrolled for it.
What the shopper can do
Try a different card brand or PayPal.
What the store can do
Ask Checkout.com support to enable Mastercard authentication on your account.
For developers
The payment comes back with status Declined, response_code 20112 and a response_summary such as "Merchant not Mastercard SecureCode enabled" (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 20112 the shopper's fault?
- No. It is about the merchant's enrolment.
- Will Mastercard cards keep failing with 20112?
- Until the account is enabled, Mastercard payments that need authentication can fail this way.
Sources
- API response codes — Checkout.com
- Visa response codes — Checkout.com
- Mapping to Visa system integrity fee categories — Adyen
Related
- 20150 — The card is not enrolled in 3-D Secure, so the authentication step could not run.
- 20105 — Checkout.com's gateway rejected the payment for breaking a rule.
- 20104 — Checkout.com's gateway rejected the transaction as invalid.
- 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.
- 20154 — The bank requires 3-D Secure verification before it will approve.
- 20157 — The store's Checkout.com configuration is invalid for this payment.