"The merchant login ID or password is invalid or the account is inactive."

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    Asked on January 27, 2014 at 11:36 AM

    I am getting this message however I am trying the same ID and Key that I am using on a different active form that works with no problem (form not created with JotForm)

    Pasted code used in basic form as maybe it works differently from JotForm .....


    if (($_POST['sendpayment']) == "pay") {
    // This sample code requires the mhash library for PHP versions older than
    // 5.1.2 -

    // the parameters for the payment can be configured here
    // the API Login ID and Transaction Key must be replaced with valid values
    $loginID        = "xxxxxREMOVEDxxxxxx";
    $transactionKey = "xxxxxREMOVEDxxxxxx";
    $description     = "Website Bill Payment";
    $label             = "Submit Payment";   // The is the label on the 'submit' button
    $testMode        = "false";
    // By default, this sample code is designed to post to our test server for
    // developer accounts:
    // for real accounts (even in test mode), please make sure that you are
    // posting to:
    $url = "";

    // If an amount or description were posted to this page, the defaults are overidden
    if ($_REQUEST["amount"])
    { $amount = $_REQUEST["amount"]; }
    if ($_REQUEST["invoice"])
    { $invoice = $_REQUEST["invoice"]; }

    // an invoice is generated using the date and time
    //$invoice    = date(YmdHis);
    // a sequence number is randomly generated
    $sequence    = rand(1, 1000);
    // a timestamp is generated
    $timeStamp    = time ();

    // The following lines generate the SIM fingerprint.  PHP versions 5.1.2 and
    // newer have the necessary hmac function built in.  For older versions, it
    // will try to use the mhash library.
    if( phpversion() >= '5.1.2' )
    {    $fingerprint = hash_hmac("md5", $loginID . "^" . $sequence . "^" . $timeStamp . "^" . $amount . "^", $transactionKey); }
    { $fingerprint = bin2hex(mhash(MHASH_MD5, $loginID . "^" . $sequence . "^" . $timeStamp . "^" . $amount . "^", $transactionKey)); }

    // Print the Amount and Description to the screen.
    echo "Policy Number: $invoice <br />";
    echo "Amount Paid: $ $amount <br /><br /><br />";
    // Create the HTML form containing necessary SIM post values
    echo "<FORM method='post' action='$url' >";
    // Additional fields can be added here as outlined in the SIM integration guide
    // at:
    //echo "    <INPUT type='text' name='x_amount' />";
    //echo "    <INPUT type='text' name='x_invoice_num' />";

    echo "    <INPUT type='hidden' name='x_login' value='$loginID' />";
    echo "    <INPUT type='hidden' name='x_type' value='AUTH_ONLY' />";
    echo "    <INPUT type='hidden' name='x_amount' value='$amount' />";
    echo "    <INPUT type='hidden' name='x_description' value='$description' />";
    echo "    <INPUT type='hidden' name='x_invoice_num' value='$invoice' />";
    echo "    <INPUT type='hidden' name='x_fp_sequence' value='$sequence' />";
    echo "    <INPUT type='hidden' name='x_fp_timestamp' value='$timeStamp' />";
    echo "    <INPUT type='hidden' name='x_fp_hash' value='$fingerprint' />";
    echo "    <INPUT type='hidden' name='x_test_request' value='$testMode' />";
    echo "    <INPUT type='hidden' name='x_show_form' value='PAYMENT_FORM' />";
    echo "    <input type='submit' value='$label' />";
    echo "</FORM>";

    <?php } else { ?>
    You are not authorized to view this page.
    <?php } ?>



  • Profile Image
    Answered on January 27, 2014 at 12:07 PM


    Did you check if your field is not on the sandbox mode? It seems both of your forms are on a sandbox (test) mode which is maybe the reason why you are getting this error? Your script above indicates that you are testing live not on test mode $testMode = "false";. Make sure to disable sandbox mode before testing your form live.

    Let us know if you have further questions.


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    Answered on January 27, 2014 at 12:33 PM

    @Elton, isnt sandbox mode what it should be in to try a "fake" real payment ? 

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    Answered on January 27, 2014 at 12:35 PM

    @Elton, I think I understand now. I have the account out of "Test Mode" as we already have an interface that interacts with it in live mode. I assume i would need to switch into test mode again to try sandbox ?

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    Answered on January 27, 2014 at 12:36 PM

    @Elton, just switched out of sandbox and put the new id and key in and got this message.


    "This account has not been given the permission(s) required for this request."

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    Answered on January 27, 2014 at 12:40 PM

    @Elton ...sorry for being a pain, just trying to do what I can. I have it now to where it says 

    "Bill to Company Required"  

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    Answered on January 27, 2014 at 12:59 PM

    Try this:

    1. Log in to your account
    2. Go to Account -> Settings -> Payment Form -> Form Field
    3. Uncheck everything that says "required"
    4. Save your account's settings

    Please keep us posted on your progress.

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    Answered on January 27, 2014 at 01:40 PM

    Hey, worked like a charm. Thank you!!