Apple Pay transaction error 513 on MasterCard and Amex only

[kanoorani]

Can someone please help me with a weird issue that I'm seeing in Apple Pay transactions. The "createTransactionRequest" function of Authorize.Net API returns the following error on MasterCard and American Express cards:

513: There was an error processing the payment data.

As I've mentioned above, this error is returned ONLY when American Express or MasterCard is used, Visa works perfectly with no issues. The problem is in both sandbox and production modes. Our processor is TSYS and I can confirm that our account is configured to accept American Express, MasterCard, Visa and Discover. Pasted below are request and response XMLs of successful (Visa) and failed (MasterCard and Amex) transactions made in production mode.

VISA (success)

<?xml version="1.0" encoding="UTF-8"?>
<createTransactionRequest xmlns="AnetApi/xml/v1/schema/AnetApiSchema.xsd">
   <merchantAuthentication>
      <name>XXX</name>
      <transactionKey>XXX</transactionKey>
   </merchantAuthentication>
   <transactionRequest>
      <transactionType>authCaptureTransaction</transactionType>
      <amount>0.01</amount>
      <payment>
         <opaqueData>
            <dataDescriptor>COMMON.APPLE.INAPP.PAYMENT</dataDescriptor>
            <dataValue>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</dataValue>
         </opaqueData>
      </payment>
      <order>
         <invoiceNumber>TEST-94736</invoiceNumber>
         <description><![CDATA[Test Product (qty: 1)]]></description>
      </order>
   </transactionRequest>
</createTransactionRequest>

<?xml version="1.0" encoding="UTF-8"?>
<createTransactionResponse xmlns="AnetApi/xml/v1/schema/AnetApiSchema.xsd" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
   <messages>
      <resultCode>Ok</resultCode>
      <message>
         <code>I00001</code>
         <text>Successful.</text>
      </message>
   </messages>
   <transactionResponse>
      <responseCode>1</responseCode>
      <authCode>929768</authCode>
      <avsResultCode>P</avsResultCode>
      <cvvResultCode />
      <cavvResultCode>2</cavvResultCode>
      <transId>20285636068</transId>
      <refTransID />
      <transHash>57A933CEDEF2A7F35224D3B6ECF50CDD</transHash>
      <testRequest>0</testRequest>
      <accountNumber>XXXX2313</accountNumber>
      <accountType>Visa</accountType>
      <messages>
         <message>
            <code>1</code>
            <description>This transaction has been approved.</description>
         </message>
      </messages>
      <transHashSha2 />
   </transactionResponse>
</createTransactionResponse>

MASTERCARD (failed)

<?xml version="1.0" encoding="UTF-8"?>
<createTransactionRequest xmlns="AnetApi/xml/v1/schema/AnetApiSchema.xsd">
   <merchantAuthentication>
      <name>XXX</name>
      <transactionKey>XXX</transactionKey>
   </merchantAuthentication>
   <transactionRequest>
      <transactionType>authCaptureTransaction</transactionType>
      <amount>0.01</amount>
      <payment>
         <opaqueData>
            <dataDescriptor>COMMON.APPLE.INAPP.PAYMENT</dataDescriptor>
            <dataValue>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</dataValue>
         </opaqueData>
      </payment>
      <order>
         <invoiceNumber>TEST-94735</invoiceNumber>
         <description><![CDATA[Test Product (qty: 1)]]></description>
      </order>
   </transactionRequest>
</createTransactionRequest>

<?xml version="1.0" encoding="UTF-8"?>
<createTransactionResponse xmlns="AnetApi/xml/v1/schema/AnetApiSchema.xsd" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
   <messages>
      <resultCode>Error</resultCode>
      <message>
         <code>E00027</code>
         <text>The transaction was unsuccessful.</text>
      </message>
   </messages>
   <transactionResponse>
      <responseCode>3</responseCode>
      <authCode />
      <avsResultCode>P</avsResultCode>
      <cvvResultCode />
      <cavvResultCode />
      <transId>0</transId>
      <refTransID />
      <transHash>BD8A78A4FD194D2EFFABB31F80771413</transHash>
      <testRequest>0</testRequest>
      <accountNumber />
      <accountType />
      <errors>
         <error>
            <errorCode>153</errorCode>
            <errorText>There was an error processing the payment data.</errorText>
         </error>
      </errors>
      <transHashSha2 />
   </transactionResponse>
</createTransactionResponse>

AMERICAN EXPRESS (failed)

<?xml version="1.0" encoding="UTF-8"?>
<createTransactionRequest xmlns="AnetApi/xml/v1/schema/AnetApiSchema.xsd">
   <merchantAuthentication>
      <name>XXX</name>
      <transactionKey>XXX</transactionKey>
   </merchantAuthentication>
   <transactionRequest>
      <transactionType>authCaptureTransaction</transactionType>
      <amount>0.01</amount>
      <payment>
         <opaqueData>
            <dataDescriptor>COMMON.APPLE.INAPP.PAYMENT</dataDescriptor>
            <dataValue>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</dataValue>
         </opaqueData>
      </payment>
      <order>
         <invoiceNumber>TEST-94735</invoiceNumber>
         <description><![CDATA[Test Product (qty: 1)]]></description>
      </order>
   </transactionRequest>
</createTransactionRequest>

<?xml version="1.0" encoding="UTF-8"?>
<createTransactionResponse xmlns="AnetApi/xml/v1/schema/AnetApiSchema.xsd" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
   <messages>
      <resultCode>Error</resultCode>
      <message>
         <code>E00027</code>
         <text>The transaction was unsuccessful.</text>
      </message>
   </messages>
   <transactionResponse>
      <responseCode>3</responseCode>
      <authCode />
      <avsResultCode>P</avsResultCode>
      <cvvResultCode />
      <cavvResultCode />
      <transId>0</transId>
      <refTransID />
      <transHash>BD8A78A4FD194D2EFFABB31F80771413</transHash>
      <testRequest>0</testRequest>
      <accountNumber />
      <accountType />
      <errors>
         <error>
            <errorCode>153</errorCode>
            <errorText>There was an error processing the payment data.</errorText>
         </error>
      </errors>
      <transHashSha2 />
   </transactionResponse>
</createTransactionResponse>

I will appreciate any kind of help.

Thank you!

[Joy]

Hi kanoorani,

We are not sure what would cause this error you are getting that is only happening on MasterCard and American Express card tyoes but not with Visa. I highly recommend that you contact Client Services at 877-447-3938 so they can look at your account specifically and review it. 

Thanks,

Joy

[kanoorani]

Hi,

I've been in touch with people at Authorize.net Product Support from almost a week and they are "investigating" the problem but unfortunately there is no help so far.

[jonf21]

did you ever find a resolution? I too am having this exact issue. It works for VISA, but not American Express or MasterCard

[yogeyo5632]

There are a couple of things that can cause this; first, assuming your Apply Pay supported locales are set to the United States, you should test with American Express. Second, in case you are not endorsed into a testing gadget with an iCloud account that upholds a sandbox client.

Matt Eaton

DTS Engineering, CoreOS

meaton3 at apple.com

[haymanwest]

1. Use your device to check your payment information. You might see red text that explains why the payment method can't be charged.
   
   
2. If your card was declined, add a new payment method or update your payment information. You can add multiple payment methods to your Apple ID.
3. Your payment method will be charged for the unpaid balance. Then you can make other purchases and update your apps, including free apps.

If you use Family Sharing and Purchase Sharing is turned on, the family organizer must update their billing information or add a new payment method. If you're not the family organizer, you can't change the payment method.

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