We charge our client's credit cards with Authorize.net and EXS (we have been doing it for years). Things are working OK usually for US cards, but a lot of foreign cards are getting declined (UK, Ireland, Italy, etc.) This has gotten worse recently.
The cards in question are valid (we have been able to verify it with another processor that we use which is based in Europe).
You can change your settings on Authorizenet so that cards with no address match are not declined. Then the international cards will not be declined, but I then manually check over all the no address matches.
Thanks for the info... I already have the Authorize.net settings so that the address match is not required. And the strange thing is that some foreign cards go trhough just fine. It's something like 30 to 35% that get rejected.
Admittedly, in these 35% there are some normal declines, but some cards are good for sure (we have several instances of the owner paying with the card on another one of our sites which uses a European-based processor : that's how we know the card is valid)
Another mistery of the banking system I guess. I wish it were not so opaque, but I guess opacity is the way they justify the fees.