Checkout.com · Decline codes
What does Checkout.com 20150 “Card not 3D Secure (3DS) enabled” mean?
Checked
Checkout.com 20150 "Card not 3D Secure (3DS) enabled" means the card is not set up for 3-D Secure, the bank's online verification step. Where the payment needs that step, it cannot be completed with this card. The shopper can use a different card or ask the bank to enable online verification.
- Type
- Soft decline (20xxx)
- Who declined
- The shopper's card issuer
- Retry
- Possibly. Visa category 4 (generic): at most 15 retries in 30 days
- Shopper action
- Use another card or ask the bank about online verification
- Merchant action
- Offer another payment method
What PlatformDTC does
Checkout.com 20150 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 20150 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
3-D Secure depends on the issuer enrolling the card. Cards that are not enrolled cannot complete the check.
What the shopper can do
Pay with another card, or ask the bank to enable online payment verification.
What the store can do
Offer PayPal or another method so the sale is not lost.
For developers
The payment comes back with status Declined, response_code 20150 and a response_summary such as "Card not 3D Secure (3DS) 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
- What is 3D Secure in Checkout.com 20150?
- It is the bank's verification step during online checkout, such as a code or banking-app approval.
- Can 20150 be fixed by retrying?
- Not with the same card while it is not enrolled.
Sources
- API response codes — Checkout.com
- Visa response codes — Checkout.com
- Mapping to Visa system integrity fee categories — Adyen
Related
- 20112 — The store's account is not set up for Mastercard's 3-D Secure.
- 20152 — The bank's verification step was left unfinished for 15 minutes and expired.
- 20105 — Checkout.com's gateway rejected the payment for breaking a rule.
- 20151 — The shopper did not pass the bank's verification step.
- 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.
- 20159 — The bank's authentication server failed during 3-D Secure.