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Visa Gift Card Declined


I can't seem to find an answer to this issue.


We have a Magento run website, using as our card processor.

We have it set for authorization only, no capture, all that process we let handle.


We recently had a customer attempt to use a Visa Gift Card for his purchase and it was declined.

The customer did not recieve any declining message, and his order was not processed.

We however, received an email that the order was declined.


This is the message on the screen:


Declined  (Authorization with the card issuer was successful but the transaction was declined due to an address or ZIP code mismatch with the address on file with the card issuing bank based on the settings in the Merchant Interface.)


How can the address/zip possibly match if it is a Gift Card?

What can we do to prevent a decline on a gift card again?

Is it possible for us to allow the use of a Visa, AMX or any other type of gift card?

If they're going to be declined, do we need to warn our customers that we cannot accept Gift cards as payment?

Any info about this would be greatly appreciated!


Thank you!


Have you check your AVS setting?