Credit Card Processing Issues

[Steve]

Is anyone having issues with specific bank cards? We have 3 stores, all set up with a Worldpay gateway and all with a processing account through first data. They are setup to go to different bank accounts and are all on their own EIN's. Two accounts have no issues, one account has 3 banks that constantly decline out of nowhere. This account was open for 2 years until a random time in May and this issue came about.

To hopefully rectify the issue, I set up new accounts through Worldpay and First Data. Once active, those accounts still decline the same cards.

Does anyone have any experience with this? Worldpay and First Data have not been helpful. The most I've gotten is from Worldpay saying the AVS was declined which is address verification system. We enter credit card numbers, expiration, and cvv2. Online is the same but also requires billing zip. The cards declined whether they are swiped/keyed/entered online.

I've been at it since May on this and I'm ready lose it

Thank you in advance

 

[Jerrell]

That sounds like an incredibly frustrating situation especially since you’ve already gone through the trouble of setting up new accounts and the issue persists. If the AVS mismatch is the recurring issue, it might be worth verifying whether the affected customers have updated billing information with their banks as outdated addresses could trigger declines.

 

[juanwitmore]

Thanks for sharing this! LA Taco always has such great recommendations and it’s awesome that they spotlight places off the beaten path. Tamales are such a holiday staple and it’s amazing to see the variety across LA from banana leaf-wrapped to sweet ones.

I’ll definitely be checking out this guide to find some new spots to try. Do you have any personal favorites from the list or any tamale spots that didn’t make it but deserve a mention? It’s hard to go wrong with tamales this time of year!

 

[Tom-CC]

The AVS is not the issue; your business makes the AVS decision based on the return code provided by the issuing bank.
What is the Issuing bank authorization decline code and reason?

 

[Steve]

The AVS is not the issue; your business makes the AVS decision based on the return code provided by the issuing bank.
What is the Issuing bank authorization decline code and reason?

It's an error code 51 which typically is an insufficient funds. After speaking with support the furthest I could get was them saying that the cards in questioned timed out because certain information could not be verified, and they pointed that to the AVS which is what they could see in their logs.