Credit Card invalid, how?

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Forums › Finance and wealth management › Credit Card invalid, how?

tdgeek

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#196222 23-May-2016 17:38

While I can't expect anyone here to solve this mystery, I hope to get some clues re validation that occurs on an online order. Platinum MasterCard

I am trying to buy FanPass but I get the invalid credit card message. I use it online regularly, last was Dominos two nights ago. The CC number is correct, I now know it off by heart. CVV is correct, Name is correct, Expiry is correct.

Here are some variables

1. FanPass requires Billing Address. We moved house a few months back, I was fixated on that. Old address, new address, the statement Box number address all fail.

2. Called the bank, the address is the new address, got the exact address and format. Same with the Box number address on the statement. No issue with the card or account.

3. The credit card account is a joint one, wife and I have our own cards, I think they are different numbers

4. I lost mine a year ago, replaced, slightly different number and new CVV

All I am left with are these possible reasons. (I have emailed Neulion this morning)

1. Some system is down so it cannot see my number

2. After a certain number of fails, its locked me out. Maybe the Billing address I was fixated on wasn't important, but I used up my fails?

3. If the validation looks at the first card listed against the account, that may be the why it fails if my card is after the wife's?

Tennis is waiting for me

zespri

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#1558118 23-May-2016 17:47

Yeah, anti-fraud measures are usually not broadcasted by cc processing companies, so that it's not easy for people to get around them. So if the card gets blacklisted somehow through many fails (total conjecture on my part) there is really not much you can do: from the bank perspective there is no problem, the seller (fanpass) cannot help you much as they are just using a payment gateway, and the payment gateway simply is not going to talk to you. Did you try to key in your wife's card?

As an anecdote I have had my cards rejected in the past because of a wrong billing address.

Fred99

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#1558121 23-May-2016 17:52

4. Wife will be home soon wearing Jimmy Choo shoes, a new coat for winter, and a handbag.

5. Book optician to get new reading glasses

Seriously though - did you call the bank (ie ASB or whatever) or Mastercard using the number which I expect is printed on the card?

tdgeek

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#1558131 23-May-2016 18:04

Tks Zes and Fred.

Its fixed but more mystery. Yes I called the bank to check the addresses and exact formats for the card account.

I got a reply from Neulion, they say try the old address if you moved recently, been there done that, no good. He told me that it will place a pending charge on the card then if it fails that will be reversed, but calling the bank this morning, Westpac, there has been no pending on the card so it never got that far.

So, I tried again I dunno why. I mistyped the card holder name, first name as ANTHINY instead of ANTHONY. The Billing address is also the old one from past attempts which is not whats on the card, bank said its the new address, but it went through with the wring cardholder name and the wrong billing address. I called the bank just now to confirm there is no typo on my name but off course there isn't, and the address is the new address. Im asking Neulion whats up with this.

I can only assume now, that something was down. The invalid error was instant, as if it failed there and then and didn't spend a second or two validating the number. And that they dont validate the address against the card (maybe just that its a real address?) and they don't validate the Card holder name.

Bizarre.

zespri

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#1558139 23-May-2016 18:23

Bizarre indeed. Not validating the address is pretty common. Most sites do not validate it, sometimes validating postcode only and sometimes not even that.

My name by mistake was spelled differently on my two ccs so sometimes I would key it in wrongly. More often than not it *would* result in a rejection.

Go figure.

tdgeek

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#1558142 23-May-2016 18:27

zespri:

Bizarre indeed. Not validating the address is pretty common. Most sites do not validate it, sometimes validating postcode only and sometimes not even that.

My name by mistake was spelled differently on my two ccs so sometimes I would key it in wrongly. More often than not it *would* result in a rejection.

Go figure.

"2) The rest of the information you entered on the form, specifically the billing address, is matched against the bank's records for your account, and if the information does not match, our system cancels the purchase and returns an address verification failure response."

Well, it never got that far as my card wasn't touched it errors without delay as if it stopped only at the online form. as CC invalid. And when it went through, the address I used was the old address despite they say they verify that to the bank records. Next Dominos night I will try the wrong card holder name

afe66

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#1558145 23-May-2016 18:34

VISA vrs MasterCard.

I got burnt once with an overseas website where the site expected me to click on one of the card type icons which looked like a jpeg of 4 credit card icons right next to each other. Other websites seem to just check if a visa number or MasterCard and forward appropriately without me needing to tell them whichvcard I was using. From memory the algorithm for determining a visa card number vrs MasterCard number are online.

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Kyanar

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#1558944 24-May-2016 20:50

tdgeek:

"2) The rest of the information you entered on the form, specifically the billing address, is matched against the bank's records for your account, and if the information does not match, our system cancels the purchase and returns an address verification failure response."

Well, it never got that far as my card wasn't touched it errors without delay as if it stopped only at the online form. as CC invalid. And when it went through, the address I used was the old address despite they say they verify that to the bank records. Next Dominos night I will try the wrong card holder name

Everything they said there is actually completely false. Only US, Canadian, and some European issued cards support Address Verification System. The error you receive may have been their system declining your transaction because AVS (rightly) failed horribly.

tdgeek

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#1559041 25-May-2016 00:10

Kyanar:

tdgeek:

"2) The rest of the information you entered on the form, specifically the billing address, is matched against the bank's records for your account, and if the information does not match, our system cancels the purchase and returns an address verification failure response."

Well, it never got that far as my card wasn't touched it errors without delay as if it stopped only at the online form. as CC invalid. And when it went through, the address I used was the old address despite they say they verify that to the bank records. Next Dominos night I will try the wrong card holder name

Everything they said there is actually completely false. Only US, Canadian, and some European issued cards support Address Verification System. The error you receive may have been their system declining your transaction because AVS (rightly) failed horribly.

Their replies were woeful. The first ignored what I said, I ended up saying that and pasting the whole email back to them. They said I would get an address verification error, never got that. It was a credit card is invalid error. And it was based on my card address, thats also wrong. Last reply was we are not trying to ascribe blame. Well, I'm not looking for blame, given its a financial transaction Id just like to know what went wrong, I don't really care that something went wrong. Painful.