I'm encountering some curious issues with my online payment system when using pay+authorize.net (+webform pay).

Many if not most transactions are declined on my site, with a very unhelpful response code "Declined by issuer, please call issuer to determine reason." Upon calling one of the issuers, they were adamant that we were inputting the security code incorrectly. We verified the numbers multiple times without success, but were even able to process the card successfully using the authorize.net terminal.

An odd factor is that most or all of the declines are by cards issued by credit unions (like BECU, or Navy Federal) while cards such as Capital one, Chase, or BoA work just fine.

I installed ubercart as a test, and it works with those cards.

Any similar experiences, or possible suggestions?

Comments

emosbaugh’s picture

emosbaugh commented
Title: Malformed/missing CVV data submitted? » CRITICAL: Incorrect expiration date value
Status: Active » Closed (won't fix)

I am experiencing the same. I found out that an incorrect expiration date is being sent to authorize.net. This is an authorizenet module issue. See: http://drupal.org/node/1216672

emosbaugh’s picture

emosbaugh commented
Title: CRITICAL: Incorrect expiration date value » Malformed/missing CVV data submitted?

oops. changed title

3Dmusings’s picture

3Dmusings commented
Priority: Major » Critical
Status: Closed (won't fix) » Needs work

I've encountered the same using pay + authorize.net + webform pay. Spent hours on the phone, finally the bank had me run a transaction while I was on the phone with them. They then told me my CVV was incorrect, no way no how. I've been entering the correct CVV each time every time.

I then ran a test without using CVV code on the same form with the same card and it went through just fine. One of the modules is goobering the CCV code before submitting it.