Credit Card errors? rejected due to AVS

So we've had some orders come in. Most without a hitch but I just received 2 emails from people trying to use the card and getting error messages.
AVS Mismatch, address does not match card.
They both claim it should work.

Is there a setting I should check for this? Is it indeed an error in configuration?

Oh, I'm Authorize.net

Which authorize.net module are you using?
What version of Zen Cart are you using?

You probably need to talk to your authorize.net account rep for assistance on setting the desired AVS processing criteria on your account. Their tech support people should be able to determine which part of the address failed.
Keep in mind that the AVS checks are done by the bank, not by authorize.net, and are simply passed along. If your account settings are configured to reject bad-address cards, and a card fails an address check, then what you described is to be expected.

Thank you for your prompt response

I am using Authorize.net AIM
Zencart v. 1.3.7.1

I did put in an email to the Authorize.net rep previously. Am awaiting a reply.

So far I'm only aware of a few of these occurances but may be more that aren't notifying me.
It seems to be only about 10% so far. All other orders are going smoothly.

Is there a way to see transactions that have been attempted but not accepted?

Stormshade:

Is there a way to see transactions that have been attempted but not accepted?

Yes - in your authorize.net merchant terminal, you can see all activity. So can their tech support people.

Thank you. Will check it out.
Hope I can clear this up rather quickly. :blink:

I noticed in my merchant account settings there is a box marked under REJECT IF......
Non US Card Issuing Bank

Could this be the problem? Would unchecking it leave me at a security risk?

In speaking with the Authorize.net rep we discovered it was in fact my Address Verification Security Settings weren't set appropriately to accept international cards.

Hopefully this resolves the issue.

Thanks for the help Dr. Byte!

Stormshade:

In speaking with the Authorize.net rep we discovered it was in fact my Address Verification Security Settings weren't set appropriately to accept international cards.

Hopefully this resolves the issue.

Thanks for the help Dr. Byte!

wht are the best AVS settings for international transactions?

Are you with Authorize.net?

Stormshade:

Are you with Authorize.net?

yes I am. I contacted them via live help and they advised me to disable G,U,S and enable N.

I have B,E,N all enabled and in the Credit Card Verification I have N and S enabled.

All my international orders are coming in perfectly and so far no problems with fraud.

Stormshade:

I noticed in my merchant account settings there is a box marked under REJECT IF......
Non US Card Issuing Bank

Could this be the problem? Would unchecking it leave me at a security risk?

If I were you I'd definitely not accept credit cards from non-US banks. We Canadians are known to be extremely untrustworthy. As are the Australians, Japanese, French, Germans, Danes, ..., ... . And of course, no US-bank-issued-credit-card holder would ever consider committing fraud. That too is well known. :smartalec:

Rob

rstevenson:

If I were you I'd definitely not accept credit cards from non-US banks. We Canadians are known to be extremely untrustworthy. As are the Australians, Japanese, French, Germans, Danes, ..., ... . And of course, no US-bank-issued-credit-card holder would ever consider committing fraud. That too is well known. :smartalec:

Rob

Your sarcasm is completely unnecessary.
Judging from your response to a very simple payment question (on an INFORMATION forum I may add...not a political commentary section) your sensitivity to the issue is quite revealing.

If you read on you would see that I had no problem changing the settings or handling international orders. But of course it's more fun to throw out an insinuation before actually reading the full content.
I am brand new to resale, ecommerce, etc. Chalk the question up to a nervous first-timer.

"Non US Card Issuing Bank" doesn't say "no NON-US Banks" entirely. It says "US Card ISSUING". Being that I see many international banking facilities here in the US maybe those would be considered US Card Issuing Banks as well. There could be a certain "partnership" between these institutions.

And for your information, the US has more stringent security checks for credit card usage. Some countries have vey little, so....without your assumption that I am racist or prejudiced, there IS a higher security risk by accepting those types of cards. Otherwise there wouldn't be such an option offered under the fraud protection area.
I NEVER said US banks would never commit fraud. This is about individuals who might commit fraud based on the inability for Authorize.net to access live the security check information per transaction.

And finally, not that I have to justify myself but maybe it will make you think twice before throwing out such attacks without knowing the situation.......... Not only have we done business internationally with no limitations but I am of Asian descent. Two pieces of evidence that lean toward the fact that I am most likely not racist.
Sorry to crush your redneck "stupid American" vision.

Unfortunately you were too eager to throw out an insult before actually engaging your brain.
You may want to repeat things to yourself before going public with them. :wink:

And you didn't notice the smiley? The one that is named "smartalec"? The one that indicates I was engaging in irony for humourous effect rather than sarcasm for insulting effect?

Talk about shooting off without thinking.

Rob

It's amazing how people think smilies immediately exonerate the contents and insinuations in their posts. :dontgetit
As we all know how sincere and "humorous" smilies can be! :blink:
(FYI If it's smilies that make the difference, I did use a smilie in my post as well but obviously my smilie doesn't count.)

Let's be honest, your underlying implication is that my question is purely based on my blind faith of American trustworthiness and lack of faith in the rest of the world.

Unfortunately your knowledge of how the credit check system works during a transaction is lacking if you think the decision is based purely on discrimination. :wacko:
Not only are you NOT contributing anything constructive to this thread but your implication is very misleading to anyone who stumbles upon this thread hoping to glean some real information.
So consider it a zencart public service to set you straight. :bangin:

You might be feeling pretty stupid :blush: about your "unintended" insult but you would've been better off not responding at all instead of throwing out yet another insult. :shocking:

By the way, did my use of smilies make my post more palatable?

How about this? :hug:

DARN! I would've used more smilies but we're limited to 7 per post. I guess they need to dampen the fun loving spirit of the posters.

rstevenson:

Talk about shooting off without thinking.

Rob

By the way Rob, the "I know you are but what am I" retort stopped working for me in 1st grade. You might want to consider retiring that one. :P

I can see your mind is made up, so I won't bother continuing to try to convince you that I was just poking in fun. :frusty:

Rob

Okay children ... play nice or I'll send you to bed without your supper. :D

BTW- This whole thread is off topic for Zen Cart anyway since AVS settings are made in the merchant account admin.

Actually, I just hold people to their word.
I'm also not one who understands this modern craze that it's funny to "poke fun" or mess with other people.

Yes my mind is made up. You were offensive and have no courtesy whatsoever to apologize for your insult whether it was intended or not and whether it was to just "poke fun" or not.
You even had to sling another insult in your second post (your third post doesn't have much of a redeeming factor either).
I obviously did not find any fun in your posts nor am I laughing at your brilliant attempt at humour. And despite what you may think, I have a very keen sense of humor and laugh often, your comment didn't even qualify for lame humor. Despite your attempt to spin it, your post was intended to ridicule me (my question anyway) as well as Americans in general.
Why mention American bank fraud in regards to a question of what setting works in Authorize.net? Why assume I think Americans are the only trustworthy ones on this planet from my question? You're even insinuation Authorize.net can have a discrimination setting merely for those people who want to "protect themselves" from all things non-American.

Believe it or not WORDS MEAN SOMETHING! Even what you may call a "joke".

If you don't have the courtesy to apologize for your "unintended" slight then at least have the courtesy to shut up.
This forum is intended for information not poor political satire. Take it elsewhere or contribute accordingly. Please do not use this forum for testing out your stand-up routine or weather the rotten tomatoes with grace.

Considering I started this thread an entire year ago and no one has had a problem with it being here up until Mr. Troublemaker showed up.
In fact, someone had recently referenced it to help with their problem so I'm thinking it was beneficial no matter where it was.

With all due respect, I think the problem is more about someone being allowed to ridicule my year old question (that was related to getting a zencart sponsored module working appropriately) than what section of the forum it was posted.