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Checkout.com · Decline codes

What does Checkout.com 20157 “Invalid merchant configurations - Contact Support” mean?

Checked

Checkout.com 20157 "Invalid merchant configurations - Contact Support" means the payment failed because of how the merchant account is configured. Checkout.com's only advice is to request support. The shopper cannot fix it; the store needs Checkout.com to correct the setup.

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 payment method
Merchant action
Contact Checkout.com support

What PlatformDTC does

For Checkout.com 20157, 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 20157 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 configuration on the merchant account blocks this payment type or route.

What the shopper can do

Pay another way for now.

What the store can do

Open a support ticket with Checkout.com and include payment references.

For developers

The payment comes back with status Declined, response_code 20157 and a response_summary such as "Invalid merchant configurations - Contact Support" (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 20157 caused by the card?
No. It points to merchant configuration.
Will 20157 go away by itself?
No. Support has to change the configuration.

Sources

Related

Payments library