diff --git a/app/PaymentDrivers/CheckoutComPaymentDriver.php b/app/PaymentDrivers/CheckoutComPaymentDriver.php
index ff058296e1..c865eba9da 100644
--- a/app/PaymentDrivers/CheckoutComPaymentDriver.php
+++ b/app/PaymentDrivers/CheckoutComPaymentDriver.php
@@ -229,7 +229,11 @@ class CheckoutComPaymentDriver extends BasePaymentDriver
 
         SystemLogger::dispatch($message, SystemLog::CATEGORY_GATEWAY_RESPONSE, SystemLog::EVENT_GATEWAY_FAILURE, SystemLog::TYPE_CHECKOUT, $this->client);
 
-        throw new \Exception('Failed to process the payment: ' . $state['payment_response']->response_summary, 1);
+        // throw new \Exception('Failed to process the payment: ' . $state['payment_response']->response_summary, 1);
+
+        return render('gateways.unsuccessful', [
+            'code' => $state['payment_response']->response_code
+        ]);
     }
 
     public function processInternallyFailedPayment($e, $state)
diff --git a/resources/lang/en/texts.php b/resources/lang/en/texts.php
index 7c8fa0c8ff..8405755c6c 100644
--- a/resources/lang/en/texts.php
+++ b/resources/lang/en/texts.php
@@ -3243,4 +3243,8 @@ return [
     'node_status_not_found' => 'I could not find Node anywhere. Is it installed?',
     'npm_status_not_found' => 'I could not find NPM anywhere. Is it installed?',
     'locked_invoice'    => 'This invoice is locked and unable to be modified',
+
+    'common_codes' => 'Common codes and their meanings',
+
+    'payment_error_code_20087' => '20087: Bad Track Data (invalid CVV and/or expiry date)',  
 ];
diff --git a/resources/views/portal/ninja2020/gateways/unsuccessful.blade.php b/resources/views/portal/ninja2020/gateways/unsuccessful.blade.php
new file mode 100644
index 0000000000..5c181dbfb2
--- /dev/null
+++ b/resources/views/portal/ninja2020/gateways/unsuccessful.blade.php
@@ -0,0 +1,13 @@
+@extends('portal.ninja2020.layout.app')
+@section('meta_title', ctrans('texts.dashboard'))
+
+@section('body')
+    <span class="text-center text-xl text-center">
+        {{ ctrans('texts.payment_error_code', ['code' => isset($code) ? $code : '']) }}
+    </span>
+
+    <span class="mt-6 block">{{ ctrans('texts.common_codes') }}:</span>
+    <ul>
+        <li>{{ ctrans('texts.payment_error_code_20087') }}.</li>
+    </ul>
+@endsection