We're currently using the rest API for PayPal (PHP) and everything was working fine in the sandbox. When we went live we continue to get the following message:
{"name":"INSTRUMENT_DECLINED","details":[],"message":"The instrument presented was either declined by the processor or bank, or it can't be used for this payment.","information_link":"https://developer.paypal.com/docs/api/#INSTRUMENT_DECLINED","debug_id":"8ad80896530bd"}
What does this mean and more importantly is there a reason this is not being caught as an exception in the php SDK. It seems to pass through without issues (using the exact same code as in the sample file for executing a payment). Is there a way to catch this?
Sounds like the payment method was turned down by the bank, or is not allowed for the attempted purchase. For instance prepaid debit cards are often now able to complete certain payments, and many cards are restricted geographically.
everything was working fine in the sandbox
The sandbox doesn't actually check with the bank whether a card is good, so it wouldn't have thrown the same error. The sandbox is for testing whether the code paths work as intended. The problem is not with your script.
In case other people look at this issue.
There is actually an official explanation and solution in the paypal documentation.
A buyer's funding source can fail for several reasons, including:
The billing address associated with the financial instrument could not
be confirmed. The transaction exceeds the card limit. The card issuer
denied the transaction. If a funding source fails, the Orders API
returns the INSTRUMENT_DECLINED error. Handle this error and provide
the buyer an opportunity to select a different payment option by
restarting the payment in the onApprove function.
https://developer.paypal.com/docs/platforms/checkout/add-capabilities/handle-funding-failures/
Related
After checkout user goes to PayPal and then returns to the website with the following message:
Payment declined, please retry or use a different card
My client uses the osCommerce CMS, and they integrated PayPal Direct for online payments.
Any suggestions? Like should we upgrade a code or there is may be some other issues?
Declines are a normal part of processing cards. You can log the API response, which might have a bit more information on the reason, but generally it is as it says: that card was declined, the user can try again preferably with a different one.
osCommerce and its modules tend to be very old, there are better ways to integrate nowadays such as Braintree or Advanced Credit and Debit Cards, but a newer integration is better for unrelated technical/security reasons; declines can and will happen regardless, they are a business issue.
I have this error, is it related to Braintree configuration or something in code?
This is method for payment.
$request->user()->newSubscription('main', $plan->braintree_plan)->create($request->payment_method_nonce);
Full disclosure: I work at Braintree. If you have any further questions, feel free to contact
support.
If you are in a Production account, a processor decline indicates that the customer’s bank has refused the transaction request. Sometimes you can tell why it was declined by reading the response code, but only the customer's bank can confirm the specific reason. You can read the full list of decline response codes in our Declines documentation.
In you are testing in a Sandbox environment, processor declines are triggered by passing a specific test amount that corresponds with a decline code.
We have used DoDirectMethod to credit card payment and recurring payment with CreateRecurringPaymentsProfile Method. But Some how i can not get error "This transaction cannot be processed due to an invalid merchant configuration.".
I found some solution for this :
1)I have problem like : Features that are not enabled for live transactions
2) If for use of REST API ,
I need to change my country then how can i change country or currency.
3) In paypal errorcode i found : Occurs when you have not agreed to the billing agreement.
- Then how can i agreed billing agrrement- need steps for it.
Please help me by providing steps of configuration or any other solution.
PayPal is confusing peoples/developers completely, i am also getting the same issue from one month on one of our client's website, i was used DoDirectPayment, and it works like a charm for test transactions, but as i make it LIVE it is was showing the same issue, i found that too, to performing transactions in LIVE mode we need to 'Enable' this feature for Direct Credit Cards, but many times i requested them (PayPal) to enable that feature, but all time they just received my Application Online and reponsed that it will take about 24 hours. I have also added extra information like SSN, EIN all that but they are so lazy or not active to do that.
At one point they are saying we need Website Payments Pro but i have not found a single link to register that, I found PayPal Payments Pro link at many sites and even in their site, these guys have a huge documentation on that website payments pro and dodirect method but not a single link how to register for that service or how they enable that feature for 'Live' mode.
And today i found they updated their developers site and make things a little different, also provided an extra method "braintreegateway" in order to process, and i tried that too using their sandbox account, its working with only PHP 5.4 and above, so old PHP version servers are unable to get that. And they also need to register your details at their end.
If i have already a PayPal Business account why do i need to register at every single method.
Sucked
I hope someone can help with this problem I'm having.
I am building a shopping cart solution using the PayPal payflow api. I have been able to submit successful transactions but. I am having problems with AVS checks and validation.
It seems if I enter an incorrect expiry date the transaction is still successful. Entering a valid CVN number, the paypal response suggests CVV2MATCH=N even when the CVN number is correct.
I've been told I can set up fraud filters, but I cant seem to find these settings. I have checked paypal and the manager paypal accounts.
Any help would be greatly appreciated.
The response codes for AVS and CVV2 come from the card issuing bank, so if you're absolutely certain you're entering the correct value and it's still coming back with an N then you need to call the card issuing bank and as them why that would be happening.
Fraud Filters need to be activated on your account in order for you to have access to them. The easiest way to do this is to call PayPal and request it.
I have had implemented the Commweb payment integration 3-Party with PHP on my site where users can pay with credit cards using master card payment gateway. From last couple of days I am receiving errors from my users that the transactions are failing. I just checked it today and I found that its throwing an error which I wasnt able to find in the implementation docs. The error message returned is:
E5000: No bank links are configured for merchant [merchant_id]
Anyone has idea on how to fix this issue? Please help...
URL for ref:
.../commweb/commweb_postreturn.php?Title=PHP+VPC+3-Party&button=Make+a+Credit+Card+Deposit&vpc_Amount=4300&vpc_BatchNo=0&vpc_Command=pay&vpc_Locale=en&vpc_MerchTxnRef=TESTERAC-454545&vpc_Merchant=TESTTERM01&vpc_Message=E5000%3A+No+bank+links+are+configured+for+merchant+%5BTESTER123%5D.&vpc_OrderInfo=CommWeb+Gateway+Payment&vpc_SecureHash=B38E67D6311C43D4AF0118270DEEB20E&vpc_TransactionNo=0&vpc_TxnResponseCode=7&vpc_Version=1
I have changed few parameters in the URL text which could expose my account details.
I have the exact error but I am using ANZ eGate. Give the bank technical support team a call and find out why... in my case it's account closing due to a long period of inactivity!