If credit card information is sent to Authorize.net, and the CVV or address etc does match - what happens? In CyberSource Hosted Order Page setup, the gateway classifies this as 'pending', and sends it back to Zen as a 'true' response with an error code - but the information does not get parsed by the Cybersource module (or by Zen) and my automatic drop-shipping kicks in. If the card is eventually determined to be invalid, it's too late because product is already shipped.

How does Authorize.net work for this situation? Does the api system allow for a pending gateway classification to communicate properly with Zen?... that is, does it tell Zen that the order is incomplete and notify admin for further action? Or would it also function the same way - sending back the order to Zen as 'true' with an error code.

Discussions with my bank suggest that I'm expected to log-in to the gateway on a daily basis.. or at least every time a sale is made - to verify the card status. But that's kinda counterproductive in what I'm trying to setup as an automated storefront. I might as well enter the card info myself with the basic cc module if I can't get this 'pending' status at the gateway issue resolved.

I've found that I can still maintain merchant account at BOA using Authorize.net's gateway service. Will this change of venue resolve my problems? Curious to hear of other's experiences on this kind of scenario.