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Cybersource Partial Match Question?
Anyone facing the same problem
wantfieldh




msg:622147
 5:26 pm on Jan 19, 2006 (gmt 0)

I am working on an e-commerce website and is using Cybersource as my merchant account & payment gateway.

We have an option to hold and review people who entered partially correct information when paying for their goods under cybersource, I guess other gateway has simple procedures.

However, customers with an incorrect address for example, would try to use the wrong address serveral times. Our shopping cart would tell them that their attempt has been rejected by the processing company, and they would try and try again. What happened is that the merchant account actually "HOLD" these fund until released. This causes a problem because customer becomes outraged when they try to use their card and its now "exceeding limit"

Anyone else with this problem? any solution where I can save sales? Thanks.

 

Corey Bryant




msg:622148
 9:05 pm on Jan 19, 2006 (gmt 0)

Is this doing a pre-auth for the sale each time or you are completing the transaction?

Can you send information to cancel the pre-auth thru the API?

Otherwise, I would not be holding onto these funds if it is creating such a hassle for your clients. Pre-auths is actually your money for a determined amount of time.

-Corey

wantfieldh




msg:622149
 11:06 pm on Jan 19, 2006 (gmt 0)

Is this doing a pre-auth for the sale each time or you are completing the transaction?

By pre-auth you mean ... that funds are actually taken out of customer's credit card? if so than answer is no, its simply holding on to the fund, decreasing cc's limit until I go in there and reject this partial approval. If I decided to authorize it, than it will go through and be processed.

Can you send information to cancel the pre-auth thru the API?

Humm Again i don't believe this is preauthorization. But I could be wrong, I am taking over this ecommerce store thats just a mess.

Corey Bryant




msg:622150
 12:47 am on Jan 20, 2006 (gmt 0)

It sounds like you are doing a pre-authorization
We have an option to hold and review people who entered partially correct information when paying for their goods under cybersource, I guess other gateway has simple procedures.
So this basically means that if the order is $1,000 and for some reason it is declined, $1,000 is still ours for a certain amount of time (depends on the issuing bank - usually 3-4 business days) unless you cancel it.

So if they order this three times, you have $3,000 of their money technicaly because you have done this pre-authorization.

You should contact the electronic payment gateway to see if they support cancelling the pre-authorization via the API or consider not doing the pre-auths. Or maybe doing the pre-auths and putting a message on the screen that says the order requires further review and a representative will contact the customer shortly

-Corey

wantfieldh




msg:622151
 1:09 am on Jan 20, 2006 (gmt 0)

Thank you very much Corey!

This forum is great : )

Richard

jollymcfats




msg:622152
 9:20 pm on Jan 20, 2006 (gmt 0)

However, customers with an incorrect address for example, would try to use the wrong address serveral times.

Another approach is to filter duplicate address information [webmasterworld.com] to reduce the number of auths from duplicate data. I've implemented this in our cart, and only the first auth attempt goes to the gateway. A negative AVS result is cached and any equivalent attempts are blocked and not sent to the gateway.

With this system in place, we rarely have more than one auth per customer, occasionaly two. Our incidence of irate people unable to access their funds has dropped to almost zero. This filter also saves some $, as we get dinged every time we contact the gateway.

You should contact the electronic payment gateway to see if they support cancelling the pre-authorization via the API or consider not doing the pre-auths.

Anyone know if there's a way to cancel a pre-auth via Authorize.net's AIM? Our pre-auths are left over from their combined AUTH_CAPTURE operation, which kicks back if the AVS comes back negative. It would be nice to be able to cancel them via the API. Or at all, really. We don't store credit card numbers, so calling the issuing bank to cancel the auth isn't a viable option.

wantfieldh




msg:622153
 10:06 pm on Jan 22, 2006 (gmt 0)

I found out we can cancel the pre authorization on Cybersource, but won't that create a great deal of frustration for users? if they simply get one little part wrong on their address? and they get kicked back?

Any way around that?

Thanks

Corey Bryant




msg:622154
 11:53 pm on Jan 22, 2006 (gmt 0)

It depends on if you actually want that pre-authorization? Meaning do you want their money? You stated earlier
This causes a problem because customer becomes outraged when they try to use their card and its now "exceeding limit"
So I would either cancel it so they get their money released or not do pre-authorizations. Would it be better to get their money and then if needed, cancel it before the batch or refund if needed?

You need to look at the bigger picture and see what will be easier on your customers?

If you are pre-authing for a sale of $1,000 and it is declined because of AVS and they come back and try again, now you have $2,000 of their money until you either cancel it or do a post auth / sale.

-Corey

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