From time to time, Visa reviews its response code usage to ensure they reflect the cardholder experience.
In a circular last year, Visa advised some issuers were using response codes intended for internal Visa use incorrectly. They will start reclassifying these as generic 20005 (Declined – Do not honor) response codes when received by an issuer.
After these dates, you could see an increase in 20005 response codes from certain issuers. To prepare for this change, you may wish to analyze the response codes you’re receiving to see if certain issuers are sending larger volumes of 20013, 30015, or 20057 declines.
After the above dates, we expect you’ll see most of these declines returned as 20005 instead.
As Manager of Scheme Relationships, Dola plays a pivotal role in bridging the gap between Checkout.com and the major card schemes – Visa, Mastercard, American Express, and JCB. With over a decade of experience managing payment operations at globally recognised fintechs and high-growth consumer brands, she brings deep expertise in optimising payment systems and translating scheme changes into meaningful value for merchants, all through a strong customer-centric lens.
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