How does a Checkout transaction get validated?

Any time payment information is submitted on Checkout there will be several points of validation to ensure that the information will be accepted for processing a payment. Once the information is received by the card-issuing bank, an approval or decline response will be received and posted on your Transaction Report.

How does a Checkout transaction get validated?

  1. When Checkout receives a submitted request, Bambora’s system will scan the data and ensure that the required fields have information in them. This includes a full-length card number, expiry date, and CVD/CVV at minimum.
    • You can also implement additional requirements in the Portal under Administration > Account Settings > Order Settings.
  2. After the first check is satisfied by Bambora, it is then forwarded to the card-issuing bank of the card specified in the submission. 
  3. The bank will then assess the transaction by their own list of requirements and determine if the information matches their own records.
  4. The consumer (and your Transaction Report) will then be issued an approval or decline message depending on the results posted by the bank.

Good to know: 

  • While mistakes can happen with CVD or AVS checks, this does not necessarily mean the bank will automatically decline a transaction -- it only means that the chance of approval is less likely.
  • Every card-issuing bank (and individual credit card) has their own set up regarding security checks and requirements for approval.
  • If the card-issuing bank relays a general bank decline message, it is up to the cardholder/customer to contact their bank since Bambora and the merchant account holder cannot discuss private details to do with the customer’s account with them. We advise that you reattempt a transaction after the customer has consulted with their bank to determine if anything should be done differently.
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