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CALL CENTER
The CALL CENTER code is a decline—so the
AssureBuy payment gateway treats the
transaction as though it is declined; however,
if a transaction receives a Call Center code, it
indicates that the bank would like you to call
the voice authorization center. Sometimes,
the charge just needs additional verification
before the card company will approve the
transaction, but in most cases, the transaction
will still be declined. The bank will charge
sellers additional fees for a voice
authorization.
PICK UP
The PICK UP code is intended for sellers who
have the buyer’s credit card at the time of the
transaction. The Pick Up code means that the
credit card is no good and if the cardholder is
present, the seller should confiscate the credit
card. In the case of Internet/phone
transactions, this code is treated as a declined
transaction.
INVALID CARD
The INVALID CARD code means that the
credit card number supplied is not a valid card
number for the card issuing bank. This code
is received when buyers incorrectly enter their
credit card numbers or attempt fraudulent
transactions. Note that all credit card
networks do not check every credit card
number against the credit card number
database. Not receiving an invalid card code
does not guarantee that the credit card
number is good.
EXPIRED CARD
The EXPIRED CARD code indicates that the
card number is expired or the buyer has
entered an invalid expiration date.
CVV2 MISMATCH
The CVV2 mismatch code indicates that the
card verification value entered does not match
the CVV value on record at the bank. Since
the CVV2 code is an added security measure,
the bank usually declines the transactions.
However, some credit card networks might
treat this as an error and this would require
the seller to cancel the transaction from within
the system. Either way the transaction should
not be processed.
The final possible result is an error code. Error codes indicate a problem
with either the cardholder’s credit card number, a problem with the
cardholder’s bank, or a problem with the seller’s merchant account.
Depending on both the bank and the credit card networks, the error may
automatically be declined while others might just consider the transaction an
error.
AssureBuy Payment Processing Microsoft Great Plains Dynamics/eEnterprise Payment Gateway • 29