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I get charged for declines
I scripted a database to copy the last 4 digits of the declined card along with the buyers first & last name...
are you using standard PayPal or Website Payments Pro? WPP has a $0.30 fee for each authorization/decline.
There really isn't a way of verifying the AVS or CVV2 without doing an auth and being charged a fee for that auth
Are there other fraud tools we could use instead so that if it fails, we won't be charged the transaction fee?
If you are using fraud filters and you have it set up reject based on the AVS and CSC responses, if it is getting rejected then you will not be charged for transaction.
There would be a temporary hold placed on the funds, as the card is not being declined
by the card issuing bank. They are actually approving it and placing the funds on hold,
and sending the response back to PayPal. PayPal then looks at the response and your
filters settings, and rejects it if that is what you have it set up to do. It will keep it from being
captured, but does not remove the hold placed on the card by the bank since they approved
it. The transaction that is rejected though because of your settings, will not be a transaction
you are charged for.