Apple Pay Error Code 265 This transaction cannot be processed

[qianlihu2024]

While working on integrating Apple Pay + Authorize.Net in Magento 2.4.5.-p5, I'm running into the issue the  payment transaction is rejected with error code 265, This transaction cannot be processed. This issue only happens to production Authorize.net account which uses processor Chase Paymentech. However, it does NOT happen to sandbox Authorize.net account which uses processor First Data Nashville. I'm wondering if it's related to the processor and even the merchant Bank account tied to Authorize.net? I'm stuck in this issue for a while and looking forward any idea for either fixing or narrowing down the issue.

Attach the payment request and response.

Request

array (
    'payload_type' => 'createTransactionRequest',
    'merchantAuthentication' => 
    array (
      'name' => '4wC7Rk6T',
      'transactionKey' => '12RQ345a6E8Rd2kU',
    ),
    'transactionRequest' => 
    array (
      'transactionType' => 'authCaptureTransaction',
      'amount' => '24.85',
      'payment' => 
      array (
        'opaqueData' => 
        array (
          'dataDescriptor' => 'COMMON.APPLE.INAPP.PAYMENT',
          'dataValue' => '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',
        ),
      ),
      'solution' => 
      array (
        'id' => 'AAA102993',
      ),
      'order' => 
      array (
        'invoiceNumber' => '3000660812',
      ),
      'poNumber' => NULL,
      'customer' => 
      array (
        'id' => NULL,
        'email' => 'websiteqa@currentinc.com',
      ),
      'billTo' => 
      array (
        'firstName' => 'Yasemin',
        'lastName' => 'Helmick',
        'company' => '',
        'address' => '6603 Snowy Range Dr',
        'city' => 'Colorado Springs',
        'state' => 'CO',
        'zip' => '80923-5190',
        'country' => 'US',
      ),
      'shipTo' => 
      array (
        'firstName' => 'Yasemin',
        'lastName' => 'Helmick',
        'company' => '',
        'address' => '6603 Snowy Range Dr',
        'city' => 'Colorado Springs',
        'state' => 'CO',
        'zip' => '80923-5190',
        'country' => 'US',
      ),
      'customerIP' => '207.109.165.210',
      'retail' => 
      array (
        'marketType' => '0',
        'deviceType' => '8',
      ),
      'userFields' => 
      array (
        'userField' => 
        array (
          0 => 
          array (
            'name' => 'transactionType',
            'value' => 'authCaptureTransaction',
          ),
        ),
      ),
    ),
  )

Response

{
  "transactionResponse": {
    "responseCode": "3",
    "authCode": "",
    "avsResultCode": "P",
    "cvvResultCode": "",
    "cavvResultCode": "",
    "transId": "0",
    "refTransID": "",
    "transHash": "",
    "testRequest": "0",
    "accountNumber": "XXXX0546",
    "accountType": "Visa",
    "errors": [
      {
        "errorCode": "265",
        "errorText": "This transaction cannot be processed."
      }
    ],
    "userFields": [
      {
        "name": "transactionType",
        "value": "authCaptureTransaction"
      }
    ],
    "transHashSha2": "35D391DDCBFE2706C5F5B630735C30725E91916F2A3F1FABBFBF13D35329EE338B4562E0314AA77BE92E795A5936A9B717ADC0020B40DECB8813ADF12CAC02EC",
    "SupplementalDataQualificationIndicator": 0
  },
  "messages": {
    "resultCode": "Error",
    "message": [
      {
        "code": "E00027",
        "text": "The transaction was unsuccessful."
      }
    ]
  }
}