Credit card verification/authorization is not working

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    dr2486
    Asked on April 29, 2019 at 05:20 PM

    I have built a form with Authorize.net as the payment processor. The form is set to collect an individual's information, along with payment info to register them for a recurring payment/subscription based service. However, with test cases where I input obvious "dummy data" (or incorrect data), the transaction still goes through as if the data that was entered was correct/legitimate.

    I have enabled the "Authorize Only" function amongst other things. But no matter what I do, it doesn't seem like the integration verifies payment information at all.

    This of course will become problematic due to my need to follow up with members who input data incorrectly, etc. How can I get JotForms & Authorize.Net to work together to verify payment data before subscriptions are created?

    ANY HELP IS GREATLY APPRECIATED!!! THANK YOU!!!

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    jherwin
    Answered on April 29, 2019 at 06:59 PM

    Did you mean, the payment goes through even if you entered a wrong name or address?

    Is this the form you're working on? https://www.jotform.com/build/91014805823149. I checked that form and I can't see any submissions. Can you please give more details of the problem you are referring to so we can investigate the issue?

    Looking forward to your response.

  • Profile Image
    dr2486
    Answered on April 29, 2019 at 07:47 PM

    Hey Jotform Support,

    Yes, that form has the same issue. However, the issue is with every form that has the Authorize.net integration. In terms of your request for more detail... I made it pretty clear in my first post, but I will attempt to go into a greater step-by-step here below:

    A user goes to my Jotform with an Authorize.net integration > user fills out the form with incorrect/invalid payment data > the form processes the submission.

    The problem here is that the form is not qualifying the payment details before the form/transaction is submitted to Authorize.net for processing. Meaning that:

    1) Scammers could fill in incorrect payment info on purpose and cause issues.

    2) Someone who legitimately attempted to fill out the form but messed up on their credit card number by one digit won't get the service because their payment will fail.

    This problem would be mitigated if the payment details validated the payment type/info/credit card number when a user attempts to submit the form.

    After research, I was under the impression that the "Authorize Only" option would assist me with this shortcoming. However, after trying seemingly every combination of things, the form still accepts incorrect data. I would like to stop this.

    Let me know if you have any insight to this issue I am having? Thank you in advanced!

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    jherwin
    Answered on April 29, 2019 at 09:12 PM

    I understand that it is inconvenient if the real/legit user attempted to fill out the form, but not recognized or are having issues even if there should not be. 

    You can contact authorize.net about this. Yes, we have Authorize.net integration but it is their system is the one that checks if the transaction is legit or fraud.

    https://www.authorize.net/support/

  • Profile Image
    dr2486
    Answered on April 30, 2019 at 12:36 PM

    Thank you for your response!

    I guess my question then becomes: What is the purpose for the "Authorize Only" function of the integration?

  • Profile Image
    roneet
    Answered on April 30, 2019 at 02:00 PM

    If you want to charge your users manually at later date then you can enable Authorization in your payment field.

    How to Enable Payment Authorization

    Feel free to contact us if you have any other questions.

    Thanks.