We have a live site which correctly processes credit cards, both domestic and foreign.
But when a customer enters a debit card through our store (processing as credit card), the transaction is always declined as follows:
Transaction ID: ############ | ||||||||||||||||||||||||||||||
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I've found that the same declined debit card can be entered into the Authorize.net Virtual Terminal (speaking with the customer via phone), and it will be approved!
What's going on?!
Solved! Go to Solution.
06-21-2013 01:46 PM
Solved. It turns out that this wasn't a real problem.
I tested my own debit card and it was accepted fine.
06-27-2013 01:27 PM
Can you match everything on the transaction Detail screen?
for example, Customer IP would be blank on the VT, might be something else too.
else you would have to contact the card issuer to detemine the reason.
06-21-2013 02:04 PM
When I log into the Virtual Terminal, I typically enter the customer's debit card number, expiration date, CCV, and billing address (usually copied and pasted from the customer's declined transaction). It magically works in the VT. That's as close as I can get to matching everything, besides customer IP, like you mentioned.
It's not limited to any particular cards or customers: every single debit card is declined through our store. I've called Authorize.net and our merchant service provider; customers have called their banks. No one I've spoken with has any idea why legitimate card information is declined.
Note that all card data is okay and street address and zipcodes match in every instance. We're able to process all regular credit cards (non-debit, anyway).
What data changes in the gateway and processor when a debit card is processed as a credit card? Anything?
06-21-2013 07:50 PM
Can you compare the declined web transaction with a success VT transaction, fields by fields on the transactions detail screen on the merchant account.
06-22-2013 06:52 AM
Solved. It turns out that this wasn't a real problem.
I tested my own debit card and it was accepted fine.
06-27-2013 01:27 PM