From time to time, Visa reviews its response code usage to ensure they reflect the cardholder experience.
After October 18, 2025, Visa will reclassify response code 20057 (Transaction not permitted to cardholder) when they identify that the issuer has used this response code incorrectly to a 20005 response (Declined - do not honor)
After this date, you could see an increase in 20005 response codes from certain issuers. To prepare, you may wish to analyze the response codes you’re receiving to see if certain issuers are sending larger volumes of 20057 declines.
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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