PayJunction: Payment Error I: Declined (AVS, no match address and zip)

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    Pethospice
    Asked on December 03, 2019 at 11:30 AM

    Hello, I see that each account upgrade lists how many payments can be accepted monthly.  I want to confirm that this applies to setting up an integration with PayJunction, to allow our clients to enter their credit card numbers via our JotForm.  We can only accept a certain number of these credit cards per month depending on which account upgrade we've purchased?

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    VincentJay
    Answered on December 03, 2019 at 03:52 PM

    Hi,

    Have you seen and follow our complete guide on how to add PayJunction on your form: https://www.jotform.com/help/436-How-to-integrate-PayJunction-with-your-form

    I suggest checking it first and let us know if you have any questions. Also, is the form embedded on a website? If yes, please share the link or you can also share the form direct link.

    Thank you.

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    Pethospice
    Answered on December 03, 2019 at 04:00 PM

    Yes, thank you, and we followed the instructions.  Everything is working except that the AVS is failing when we try to test it.  The client and card number appear in our PayJunction account, but without a billing address, and the payment is declined.  


    The form's direct link:  https://form.jotform.com/61925149868167

    I removed the PayJunction integration from the form for now, since it wasn't working, I didn't want to confuse our clients. 


    Jodi

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    VincentJay
    Answered on December 03, 2019 at 04:23 PM

    Hello Jodi,

    Could you please clone your form and add the PayJunction integration so we can test it further?

    After adding the PayJunction, please set the payment settings to SandBox Mode. So, it will not charge us when we test it. 

    We'll wait for your reply.

    Thank you.


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    Pethospice
    Answered on December 04, 2019 at 10:29 AM

    Yes, thank you.  I've just done that.  The cloned form has the PayJunction integration added in sandbox mode.

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    AndrewHag
    Answered on December 04, 2019 at 01:03 PM

    I tried to perform a test submission on your cloned form 93373758030156 and this is the error I received:

    1575482035Payjunction Payment Error II -

    Could you please check if the credentials are incorrect? And make sure to use test mode credentials as the Sandbox is enabled.

    Everything is working except that the AVS is failing when we try to test it.

    Could you please share a screenshot of the error and the console report so we can check?

    How-to-get-a-console-report-from-most-common-browsers

    How-to-Post-Screenshots-to-Our-Support-Forum

    Usually, this will occur when the numeric street address and ZIP code provided by the customer doesn't match the billing address information on file with the credit card issuing bank.

    You can also modify these settings in your PayJunction account.

    Reference article: https://support.payjunction.com/hc/en-us/articles/213393458-How-Do-I-Change-My-AVS-Security-Settings-


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    Pethospice
    Answered on December 04, 2019 at 01:31 PM

    The credentials are set accurately, unless I need different "test" credentials for sandbox mode.  I have our regular API Login and password in place, and I'm also getting the message Error II, credentials are not set correctly.  But the login and password are correct.  
    This is not the error message that I was getting yesterday, when we were testing it without being in Sandbox mode.  Yesterday we were getting Error I: address / zip not matching.

    What should I be doing differently for Sandbox mode credentials?

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    VincentJay
    Answered on December 04, 2019 at 03:21 PM

    Sorry for the confusion. 

    You can now enable the Live Mode instead of SandBox mode. As for the error I: address/zip code not matching. You can configure it by following this guide: https://support.payjunction.com/hc/en-us/articles/213393458-How-Do-I-Change-My-AVS-Security-Settings-

    Please try it and let us know how it goes. Thank you.

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    Pethospice
    Answered on December 04, 2019 at 04:15 PM

    Thank you, but we don't wish to disable the AVS security settings, we want the information to integrate they way it prompted in the field and provided by the client. The Jotform field requests a billing address, but it doesn't carry over to PayJunction as it is supposed to.  It seems that is the area that needs to be fixed, it's not working the way it should.

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    VincentJay
    Answered on December 04, 2019 at 04:24 PM

    Yes, please set the cloned form to live mode and make sure the credentials are correct. 

    Also, is the form embedded on a website? If yes, please share the website link so we can check it further.

    We'll wait for your reply. Thank you.

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    Pethospice
    Answered on December 04, 2019 at 05:15 PM

    Thanks, I just switched it to live mode by turning the sandbox mode off.  The form isn't embedded in a website.  We have a link to the form on our website pethospicechicago.com, but that's only the original form, not the cloned one.  

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    EltonCris
    Answered on December 04, 2019 at 08:48 PM

    Thanks for the clarification. We can confirm that the form on your website is still your original form https://form.jotform.com/61925149868167. Please try to use the cloned version with live mode enabled in order to collect real payments.

    Also, according to PayJunction API, the address is required for address verification and fraud prevention. It is basically used to verify the address of a person claiming to own a credit card. Their system will check the billing address of the credit card provided by the user with the address on file at the credit card company. If there's an error related to the billing address, it could only mean that the credit card address doesn't match the address entered in the form. The address and zip code should match exactly in order for the payment to go through.

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    Pethospice
    Answered on December 05, 2019 at 10:08 AM

    Thank you so much.  I do understand the purpose of AVS, which is why I'm hoping to get this working.  When we test in live mode with a real card and the correct billing address and zip, it gives us the Error I: address / zip not matching.  The address and zip are correct.  When I check in PayJunction, the data all carried over, including a declined charge, EXCEPT there is no billing address associated with the card.  It seems as though the billing address IS NOT integrating with PayJunction, which is what is causing the problem.

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    KrisLei
    Answered on December 05, 2019 at 01:03 PM

    Hi,

    Kindly share with us the screenshot of the exact error message you are showing for us to further investigate on it. Also, please follow this guide on posting your screenshot because we are unable to access images that are attached to emails: How-to-Post-Screenshots-to-Our-Support-Forum

    I have found an article regarding the Payjunction-Specific Decline Codes for your reference. Kindly verify your billing address on your credit card again, or with your bank? Have you also tried to use a different card?

    Looking forward to your response. Thank you.


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    Pethospice
    Answered on December 05, 2019 at 05:12 PM

    We have tried with multiple cards, with the definite correct address.  When I check in PayJunction, the data all carried over, including a declined charge, EXCEPT there is no billing address associated with the card.  It seems as though the billing address IS NOT integrating with PayJunction, which is what is causing the problem.  I've had a lot of back-and-forth over the last 48 hours, without any actual help.  Is this something that's able to be fixed?  1575583775Screen Shot 2019-12-05 at 4.09

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    VincentJay
    Answered on December 05, 2019 at 05:37 PM

    Sorry for the inconvenience.

    Could you please try updating your Advanced Payment Settings Billing Address to "Address" only?

    1575585368bdsg2.png

    In this way, it will match the Address field on your form to the Billing Address of the Payment Gateway.

    Also, I am referring to the Cloned form before you apply it to your main form. 

    Thank you.

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    Pethospice
    Answered on December 18, 2019 at 12:49 PM

    Hello, I wrote a response to this on 12/6 that looks like it was never received.  I've been out of the office since then, was hoping to have heard back from you by now but see that my 12/6 response was not received.  


    I made the change on 12/6 to change the words "Billing Address" to only "Address", but still received the same AVS error message, so this didn't work.  Please advise.

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    IvayloK
    Answered on December 18, 2019 at 01:34 PM

    Thanks for reaching out to us again.

    We will further investigate and contact you later today.

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    IvayloK
    Answered on December 18, 2019 at 04:47 PM

    I tried to submit the cloned form and got the following error: "PayJunction Error I: Declined (exceeds activity limit)".

    Is everything alright with your credentials?

    Are you able to submit the form without AVS?

    We will wait for your response.

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    Pethospice
    Answered on January 07, 2020 at 12:50 PM

    Hi, yes the credentials are definitely correct and haven't been changed.  I just tried to disable the AVS requirement in PayJunction, but still got the same error message.1578413599Screen Shot 2020-01-07 at 10.1

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    IvayloK
    Answered on January 07, 2020 at 02:04 PM

    What "AVS Match Type" have you selected?

    Can you please choose "Bypass" and test again?

    Please also clear your Form Cache before the test? Here is the guide:

    https://eu.jotform.com/help/229-How-to-Clear-Your-Form-Cache

    If the issue still persists, please tell us, which form you test (the original: 61925149868167 or the clone: 93373758030156).

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    Pethospice
    Answered on January 07, 2020 at 02:47 PM

    Okay, I selected Bypass in the AVS settings in PayJunction.  That did allow the payment to go through.  None of the billing address integrates over to PayJunction still.  Can this be fixed?  Bypassing the AVS settings increases the risk of fraudulent charges.  For our safety and the safety of our clients, can this integration be fixed?

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    EltonCris
    Answered on January 07, 2020 at 04:51 PM

    Thanks, we will test it here and if we were able to reproduce the problem, we will escalate it to our developers for a resolution. We'll get back to you with updates soon.

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    EltonCris
    Answered on January 10, 2020 at 03:27 AM

    @Pethospice

    Sorry for the delayed update. I have now escalated your concern to our developers as a bug. I couldn't get the test to work using the Payjunction sandbox account so it's best to forward this to our devs for insights and review. We will keep you posted for updates.

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    olivia
    Answered on November 26, 2020 at 06:16 AM

    Hello,

    We are sorry for the issue.

    Your issue is fixed. Could you please check your AVS Match Type Settings from Jotform Payment Integration Settings tab. If you need more details, please have a look at this guide: How to integrate payjunction with your form?#avssettings

    Thank you for your understanding.