Possible credit card transaction declined??


This generally occurs for the following reasons.

The customer's credit card issuing bank did not approve the transaction. This could be for lack of funds, frozen account status, invalid credit card number or expiration date, etc. Unfortunately the card issuing bank does not provide additional details regarding the reason for the decline. The customer will need to contact the card issuing bank for more information. One way to recognize a bank decline is to look at the transaction’s Address Verification Status in the Authorization Information section of the Transaction Detail page. If it shows “AVS Not Applicable (P),” this generally means that no verification of the address information was initiated as the transaction was declined beforehand.


Declined (AVS Mismatch) or (Card Code Mismatch) – This means the transaction was declined due to the Address Verification Service (AVS) or Card Code Verification (CCV) results. AVS compares the billing address provided in a transaction with the cardholder’s address on file at the credit card issuing bank. CCV compares the card code (a three- or four-digit security code that is printed on the credit card) provided in a transaction with the card code on file at the credit card issuing bank. When enabled, both services return a code to the payment gateway indicating the results of the match. You can configure settings for AVS and CCV in the Merchant Interface to decline transactions based on those codes.

It’s important to note that a transaction declined for AVS or CCV within the Authorize.Net system has still been approved by the card issuing bank and the requested funds will be placed on hold, thereby reducing the customer’s available credit. This is not an actual charge to the credit card and the bank will release the funds back to the card after the authorization expires (between two weeks and a month depending on the credit card issuing bank). If requested, a hold can potentially be voided by contacting the customer’s credit card issuing bank.

Card Code Mismatch


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