An authorization request approved by the card issuing bank with a reasonCode 520 attached to it by CyberSource is not a system anomaly. This is proper functioning according to the way the system was designed by CyberSource.

There is a ”decision” field returned to the ZC store application following the processing of a transaction by the CyberSource server. The decision field can contain any of the 4 following values:

ACCEPT: The authorization request is approved.
REVIEW: SmartAuthorization has detected a condition of higher risk for the
order and you should review this order.
ERROR: A system error has been detected.
REJECT: The authorization request has been declined.

Smart Authorization gives the retailer a last chance to take action by reviewing the situation and possibly make the order acceptable. A REJECT order is generally a lost order. To help the retailer in reviewing the risky order, a reasonCode is also returned by the CyberSource server (200, 201, 230, 520, please refer to page 45 of the SOP User's Guide, July 2008).

The 520 reasonCode indicates that the card issuing bank has approved the request but CyberSource has declined based on your SmartAuthorization settings.
You are under no obligation to use SmartAuthorization. If you avoid using SmartAuthorization in the hope of having orders REJECTed in the case of a CVV verification failure, I would suggest to test this condition on the CyberSource production server, since the test environment does not duplicate all the steps of a live transaction. If need be, create a low value fictitious product for the test.

Currently, the CyberSource ZC Payment Module (contribution) does not display, print or otherwise use the reasonCode and modifications of the ZC Payment Module would be needed for such. But there is no reason to add that feature to the ZC Payment Module since the reasonCode is sent by e-mail to the retailer by CyberSource when your account has the proper notification settings (please refer to Paragraph 7 of the Implementation Guidelines contribution at:
http://www.zen-cart.com/index.php?ma...roducts_id=665.

By reviewing your orders with the search feature on the CyberSource Business Center you will find additional information on the status of your orders.

Should your business processes do not allow you to place the shipping on hold while you review a decision=REVIEW order, you may have to select a replacement for CyberSource.

deBeaujeu