Hi,
We are using AIM for credit card payments and when we tried to make the payment with wrong address details and correct credit card credentials;
The payment was declined and i got a message "The Transaction has been declined because of an AVS mismatch. The address provided deos not match billing address of cardholder" but at the same time the PAYMENT GOT DEDUCTED from my credit card.
In another case, I used wrong credit card credentials and got the message "this trasaction has been declined", which is correct.
In both the cases ERROR CODE was same i.e. 2, I am not sure how to put the "Paid" status to my application; and how should I let the end user know that the payment is done successfully; as the error code is always 2 in both the case.
In both the case client is confused. It shows the same error code; but in one case it deducts the payment and in other it does not. Which Response code I should catch to show the appropriate message?
Please have a look at the links below to see the response that we got in above cases.
http://zeroguess.net/015/errorCode/wrongccDetails_paymentnotdone.txt
http://zeroguess.net/015/errorCode/wrongccAddress_Paymentdone.txt
It would be great if anyone can help me to solve the issue.
Thanks
06-29-2016 07:40 AM
The way I understand it, if the card used is a debit/checking card and it fails the AVS checks, the bank will still deduct the funds since the bank approved the transaction. The gateway declines the transaction due to AVS failure but the bank does not know this.
The cardholder would have to wait for the auth to expire (seems to vary by bank) before the funds are returned.
Since the transaction never settles, the merchant has no way to "refund" or "void" the transaction.
06-29-2016 07:18 PM
Hi,
Thanks for your reply; I understand your point and feel the same; however I am not satisfied with the way it is working.
The Client is not aware of; and they get a message that the transaction has been done on their SMS from their Card Company; however at the same they get a message from our website that Transaction is Declined and you can not proceed. The Application works as per the Response Code; and as per that we put Decline status to DB.
I never faced this problem any where else; is there any way where it should give appropriate message and perform accordingly.
The problem is that it deducts the Money and then refund; and in between this the Client shouts.
Any Advice?
06-29-2016 10:45 PM
Hi,
When you get a decline due to AVS mismtach the customer is not charged. What they are seeing is a pending authorization which will eventually drop off. Please refer to this article which explains this issue in details:
https://support.authorize.net/authkb/index?page=content&id=A377
Thanks,
Joy
06-30-2016 07:40 AM