Donation page error

[ckyt]

If I launch the site, I can't be asking ALL my donors from Singapore to go to the bank and ask them to unblock it? I don't think it makes sense! It does not help sites to fundraise as CNP likes to makret itself to be able to.

Also, I mentioned in my earlier post, one of the sites I visit allow the transaction to pass through WITHOUT ERROR, and they use CNP too. I used the SAME CARD and their bank account is situated in the US. You have not replied on this matter.

[CnP.Support]

Good day ckyt

We have answered your question and it is not up to us to approve a card or decline it. If the bank declines it they decline it.. nothing we can do. I am not sure what you expect from us regarding this. We have done all that we can to help you with the situation. If a card is declined by the bank it is beyond our control.

If you experience problem with a donor please let us know and we can review it. You may easily also remove our fraud protection from your account and leave it open to all transactions. It is your call. If you wish to disable fraud control simply change the fraud setting and any and all transactions will be processed without control. Please be aware that you will be responsible for any and all fraud transactions if they get through. Using our fraud setting we provide 100% protection against fraud but if you use your own fraud profile or disable the fraud you are responsible.

Our forms are used by clients worldwide and we have no problem with 99.999% of them .. if the issuing bank blocks something the client typically contacts their bank and notifies them about the transaction and the bank lifts the fraud flag. This happens on a bank by bank basis.. nothing we can do if the bank stops a card.

Our fraud protection is a free service and one that may easily be disabled.

[ckyt]

Thank you for your reply. However, I did not receive a notice from the bank stating that there was fraud being detected. Neither have the other people who tried.

It seems like integrating CNP with Salesforce provides better payment transactions as I do not see such things happening when I USED THE SAME CARD IN A DIFFERENT WEBSITE THAT USES CNP. Can you please address why my card was not rejected on another platform that uses CNP but rejected on the site I've shared earlier?

[ckyt]

May I have an update please???

[CnP.Support]

Good day ckyt

I am sorry but repeating my answer will not change it. It makes absolutely no difference which platform you use as they all post to the same API backend. The API services is what processes each and every transaction regardless of what form, which platform, what day and which phase of the moon - at the end all roads end in Rome. All forms post their information to the API.

Accounts are all different and each has a different history of transaction. They have different age with C&P and as such a different trust level. If a brand new organization signs up with C&P the system AI engine starts collecting information about how the account is behaving. If you are located in Blacksburg, Virginia and immediately after opening an account you transact $1 in Russian Federation and then $0.50 from South Africa your account will be flagged for abnormal behavior. Abnormal, is not bad but it means following all other organization's behavior it is not usual. Behavior like this will start weighing your transactions accordingly.

Your account was opened on 8/4/2018 with the following ONLY transactions:



It has absolutely ZERO good behavior as of this post. By Good Behavior I mean normal transactions. Your organization is located in New York, US and every single transaction has been done in and around midnight from another country:


Please note that a credit card account is a line of credit. Many people do not think of a merchant account as a line of credit but it is. Your donors donate to you and we deposit the money in your account in 48 hours. Your donors have more than 6 months to dispute the transaction so the $100 deposited in your account today may be disputed in January 2019 and the banks will have to be able to withdraw the money from your account. If your account is closed, etc. the bank will incur a loss given the card holder will always receive their money.

As a matter of policy we have to be careful with new accounts and ensure the account activity follows a set behavior. Click & Pledge has over 22,000 customers worldwide transacting in many currencies. We have also been around for more than 18 years, so we know the industry pretty well. We know what is "normal" and what may be "suspicious". At this time your account has no history so transactions are being monitored with a higher sensitivity.

No 2 accounts at C&P are the same.. each has a different case history and what is perceived as normal for the account.

I hope this answers your question.

[ckyt]

Hi I wish to inform something. I tried doing the donation using a different card with a higher amount. Good news - it went through. My friend from Malaysia tried too and the amount went through. However what was disturbing was that upon clicking SUBMIT button of the donation form, all of us received a notification that the transaction was unsuccessful. As such, we tried the trial donation more than once (for a few times actually). The amount for the following transactions were shown as "credited" in the CNP accounts. Please look into this serious matter.

Please refund the following transactions given the error is due to CNP form issue:
51069-1810131053193084816
51069-1810131051078564841
51069-1810130940581273553
51069-1810130940374273553

Seeking your response ASAP.

[ckyt]

Can I have an update please??

[CnP.Support]

Good day!

Please watch: https://www.screencast.com/t/5hs5JpJN

You have set up a custom profile and your setting for AVS is set to decline on return code G. It is completely explained in the video. We ask that you please review all settings and ensure the reason for decline is not based on your custom setting.

The transaction listing shows details of the decline reason. We ask that you please watch the video and learn how the fraud system works before thinking the system is at fault.

[ckyt]

Thank you for your help and explanation. The transactions have all gone through. I think there 2 lessons:
1. Test transaction amount has to be greater than $1. I tried $5 and it worked.
2. Ensure that the decline option in code G or M is unchecked.

Thank you once again.