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The 2020 Scottish Challenge Cup final, also known as the Tunnocks Caramel Wafer Challenge Cup final for sponsorship reasons, was a football match that was scheduled to take place between Raith Rovers and Inverness Caledonian Thistle, but was cancelled due to the coronavirus pandemic. Instead of contesting the final at a later date, the two clubs shared the cup.
Inverness player James Keatings was initially suspended for the final, having been sent off for being shown two yellow cards during the semi-final. An appeal against one of those cards, and the resulting suspension, was rejected by a Scottish Football Association panel. A new appeal hearing was convened when one of the panel members advised the SFA that they had not considered all of the available evidence. This second panel rescinded one of the cards, which would have made Keatings available to play in the final.
The match was originally scheduled for 28 March 2020, but all of Scottish football was suspended on 13 March due to the coronavirus pandemic. The Scottish Football Association confirmed on 16 March that the SPFL had postponed the match, pending further information from the Scottish Government about when and how football could be resumed. When the SPFL announced in October 2020 that the 2020–21 edition of the competition had been cancelled, it also said that the 2019–20 final would "be scheduled for a date later this season", i.e. during 2020–21.
On 30 April 2021, it was announced that the 2019–20 final would not be played and that both clubs would share the title instead.
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