Authorize.Net is fully supported by Volusion and can be integrated with your store in a few steps. When you're finished, you'll be ready to offer seamless electronic payment processing to your customers with one of the most powerful gateways available.
To integrate your store with Authorize.Net:
- In your Admin Area, go to Settings > Payment.
- Select United States as your Gateway Country and Authorize.Net (AUTHORIZENET) as the Gateway Name.
- Enter the API ID and Transaction Key supplied by Authorize.Net into the corresponding fields and click Save.
Note: To retrieve your Authorize.Net API ID and Transaction Key, you will need register and log in to your Authorize.Net account. Once logged in to your account, click on the Settings link.
Next, click on API Login ID and Transaction Key under the General Security Settings section.
Next you will be asked to answer your Secret Question that you set up with Authorize.Net upon registration. After this, you can retrieve your API ID and Transaction Key.
Note: Authorize.Net changes the Transaction Key each time you request it from them.
Address Verification Settings
The Address Verification Service (AVS) is a tool designed by bankcard processors to assist in identifying potentially fraudulent credit card transactions. For every credit card authorization, AVS compares the billing address and ZIP code provided by the customer to the address and ZIP code on file at the card issuing bank. AVS then returns a response code indicating the results of the comparison.
In the section below, you can choose which transactions to reject, based on the response codes, by checking the box next to each code. The payment gateway will reject transactions based on your selection. The recommended AVS response code selections are B, E, R, G, U, S, and N.
If you are having any issues with transactions declining through Authorize.Net, you may need to contact your Merchant Services Provider or Authorize.Net directly for guidance about which of the above AVS settings may be triggering a decline.
Keep in mind that some of the above settings will cause international credit cards to decline since many international banks do not support AVS (ex. G). Those settings which directly affect a customer's ability to order with an international credit card can be turned on/off at your own discretion.
Also, please note that when AVS checks a Street Address, it only verifies the numeric portion of the address and zip code. If the numeric portion of the address matches, then AVS will return a Match for the Street Address.
AVS Declines and Pending Charges
Sometimes, a customer will see a "Card Declined" message when attempting to place an order, but a pending (authorized) charge will show on the customer's records. This is due to sequence in which a charge is processed.
First, the gateway will check if funds are available on the credit card. If funds are available, a pending charge is placed.
Then, the bank will communicate which aspects of the AVS check did or did not match the information that the customer provided. If your Authorize.Net AVS filters indicate that you want a transaction to decline based on that AVS mis-match, then the card will decline and the customer will get a "Card Declined" message.
The pending charge will remain because there was still an authorization from when the gateway checked for available funds. The authorization will expire in 7-14 days, depending on the card-issuing bank.
You will need to turn off Test Mode in Authorize.Net before you can process transactions on your store. Test Mode is meant to test credit cards directly in the Authorize.Net gateway, and not your Volusion store. If you attempt to process an order in the shopping cart with Test Mode turned on, you will get an authorization, but the authorization code will be all zeros. So when you attempt to capture, it will decline because it isn't a "real" authorization.
To turn Test Mode off:
- Go to Settings and scroll down to Security Settings > General Security Settings.
- Here you will find the link for Test Mode. Click on this to display the Test Mode page.
- If Test Mode is on, you will see a button that says Turn Test OFF. (If Test Mode is off, it will say Turn Test ON). Click to turn off.
For a list of common errors received when using Authorize.Net to process credit card payments, see Common Authorize.net Errors.