Chargeback because transaction authorization code invalid

Card-issuing bank won't accept proof of authorization

[HRoth]

I am wondering how many folks have had a problem with getting a chargeback with the stated reason being that the authorization code is invalid. This is not a chargeback initiated by the customer. This is from the card-issuing bank, or so I am told. I sent them proof that I did get an authorization code, and my payment processor says it's a valid code as far as they know but that the bank, Wells Fargo, refuses to accept the proof that the code is valid. This proof includes a screen shot of the authorize.net page with the transaction featuring the code, the email authorization with the code with full headers from authorize.net, the shopping cart email of the order with full headers showing the customer's ip address, and proof of delivery. The customer also has told Wells Fargo that they did indeed authorize the charge and that they got it and everything is jake, but Wells Fargo refuses to give me the money ($9.00!). I tried communicating directly with Wells Fargo but got nowhere.

I hardly ever get chargebacks, no evil eye, but this is the second time I have had a chargeback issued on a Wells Fargo card in the past six months with the reason being that the authorization code is invalid, a reason I have never gotten from any other chargeback, so I am wondering how often this has happened with other merchants, and if it is peculiar to cards from Wells Fargo or if it is a generic problem with the whole mess of a system or what.

[edited by: HRoth at 10:42 pm (utc) on Oct. 12, 2007]

[dartman]

I think you need to address this first with authorize.net since they are responsible for the eft settlement deposit. The auth code is provided by wells fargo and auth.net is just the messenger of the data. If you get nowhere there I'd suggest letting your bank (merchant account) get involved. We've never had this type problem.

[Bobbybob]

I had a Nigerian kid from Nigeria who used many credit cards to book tickets on my site. I was dumb and accept it, I lost $4300.00 in 2005 because the airline companies got chargeback from the card owners. I had to pay my consolidator as they got the bills to pay. It was a lesson to be learned.

I looked online after and trying to find a Ecommerce nigerian insurance. If someone goes on your site, you need someone who can verify the card as Nigerians can fool you with the correct information and it sells.

Signature on the paper is best. Expedia is using digital signatures
from a company I forgot but they use somebody to handle there affairs. Travelocity, Orbitz, Pirceline, Expedia all have major problems of Nigerians using false credit cards.

It is more of a game for them as they hate Americans.

[Habtom]

It is more of a game for them as they hate Americans.

To my knowledge, that is not the case.

Like everyone else, I too have been the victim of a fraud. As I see it back, all could have been avoided if I had been a bit more organized and got the chance to implement the necessary means to avoid them.

I was always interested to learn how those people got into this after all. Not many people seem to care :), but it all happened as one Nigerian explains it to me (trust me all that was going on back then in my mind was how do I know you don't do it) on the get rich quick culture that was being introduced by the people in power there. They don't hate anybody, an irony is they are also the happiest people in the world, but the get rich thing is deep into their culture now.

When you hear a few stories you actually start sympathizing for the reasons you can't understand :)

Habtom

[HRoth]

Authorize.net doesn't do my deposits. Pipeline Data does. Authorize.net just sends the info to Pipeline. I can contact authorize.net, but frankly, since they have gotten rid of phone support, their customer service is a joke. Their livehelp doesn't know anything and can only respond according to a script. It is pathetic.

Frankly, I am looking for more ways to make money online without accepting credit cards.

[Corey Bryant]

Authorize.net gets the transaction ID from the transaction processor. Your merchant account provider should be helping you with this type of chargeback request.

If not, you might consider moving to another one that will help you with these things or change electronic payment gateways

-Corey

[Volusion]

Agreed with Corey. The cvv2 check is a setting through your payment gateway. If authorize.net is not able to do this, you should use a different payment gateway.