Adyen 14_020 - No issuer selected
Resolves Adyen checkout error 14_020 when a redirect payment method needs an issuer choice and none was sent. Use for iDEAL, Dotpay, and similar bank-select methods. Not for card payments, which have no issuer step.
TL;DR: A bank-redirect method like iDEAL was submitted without an issuer. Render the issuer list from /paymentMethods, require the shopper to pick a bank, and forward the issuer id unchanged.
The exact error:
14_020 - No issuer selectedThe fix
Render the issuer options from the /paymentMethods response instead of hardcoding them. Expected: Your checkout shows the current bank list.
Require an issuer selection before submit and forward the issuer id unchanged. Expected: The request always carries the shopper's choice.
For returning shoppers, store the issuer with the token and include it on repeat payments. Expected: The shopper is redirected to their bank.
When this applies
- iDEAL or similar payments return 14_020
- You built a custom bank-select screen
- Repeat payments with stored redirect details fail
When it does NOT apply
- Card payments (no issuer concept)
- Wallet payments like PayPal
- The issuer is present but the bank rejects the shopper (a different, later error)
Versions
Adyen Checkout API v68 through v71. Applies to issuer-based redirect methods.
Why it happens
Redirect methods route the shopper to a specific bank. Without an issuer Adyen does not know where to redirect, so the request fails validation.
Edge cases and pitfalls
- The issuer list comes from /paymentMethods; hardcoding issuers breaks when banks change
- Some issuers are test-only and fail in live with a different error
- If the shopper skips the bank select screen, your frontend must still send a default or re-prompt