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Why Did This Credit Card Fail To Authorize?

What if my credit card is declined or “cannot be validated” when ordering?

If you are trying to order , here are the easy points to check:

  • We only take Visa, MC, at this time.
  • AVS mismatch – Check your billing address, it must be the same as listed on your billing statement .
  • Check your CVV2 code (the three-digit security code, usually found on the back of your card).
  • Check your credit card expiration date.
  • Some non-US banks do not support our credit-card fraud-detection process.
  • Try submitting your order again.

If it continues to happen and you have another credit card you can use, that may be the path of least resistance.

If you don’t, and you’ve confirmed all of the information above, and you have read the further explanations given on this page, you should contact your bank or credit provider to see if there is a problem.

Why Did This Credit Card Fail To Authorize?

When you make a credit card authorize call to save a credit card for future use, we run all the same checks as an actual payment (with the exception of checking for an available balance). You can think of this like making a payment for $0.

If you receive an error stating that we failed to authorize the card, this means the credit card issuer declined the authorization. The most common reasons for failure include:

  • Address verification (AVS) mismatch
  • Invalid CVV/Expiration
  • Card is flagged as lost or stolen
  • Risk or fraud decisions from the issuing bank

When a card fails authorization, we recommend having the payer verify the card information they entered, and if that is all correct, having them reach out to their card issuer to verify their billing information and attempt the payment again.

Failure Code: 01

Why am I getting a Payment Authorization failure message?

Possibilities are:

  1. Your credit card number, expiration date or verification code are not entered correctly. The verification code (or CVV) is a physical signature for the actual credit card you are holding and it will change when you receive a new card (with a new expiration date, etc.). Please make sure you enter the correct CVV or verification code for your new card.
  2. Your address is not entered exactly as it appears in your billing statements. You should contact your credit card company to make sure all addresses associated with your account are correct.
  3. Your credit card company does not support the Address Verification System (AVS). CCO requires all credit cards to support this.

If you are unable to place a transaction after confirming all of the information above, please do the following:

  1. Log into your CCO Account and click on “My Account.”
  2. Click “Credit and Debit Card” under Account Services.
  3. Remove the non-working credit card by clicking on the “Remove” button.
  4. On your web browser, delete all cookies and temporary internet files.
  5. After the card has been removed, click on the “Add” button and re-enter the card.

If you are still unable to complete a credit card transaction, please try using a different credit card.

What do I do if the credit card authorization failed for my order?

If you ordered , but we were unable to obtain a credit card authorization, something will need updating so we can complete your order. Note that, for your protection, we do not have access to the specific reason your credit card authorization failed.

The most common reasons for a failed credit card authorization are:

  • Your credit card has expired or has been cancelled by the issuing bank.
    • If this is true in your case, please update your credit card information.
    • NOTE: You must re-enter your credit card details before we can re-attempt the credit card authorization and process your order.
  • You have moved, or your issuing bank has a different billing address on file.
    • If this is true in your case, please update your billing address.
    • NOTE: You must update your billing address before we can re-attempt the credit card authorization and process your order.
  • There may not be enough room on your card– insufficient credit— for the authorization to go through.
    • If this is true in your case, please contact your bank to clear some credit, or else use a different card. In either case, please re-enter your credit card information.
    • NOTE: You must re-enter your credit card details before we can re-attempt the credit card authorization and process your order.
  • The issuing bank may have declined the charge due to its dollar amount or some other bank validation reason.
    • If this is true in your case, please contact your bank to approve the charge. After you have done so, please re-enter your credit card information..
    • NOTE: You must re-enter your credit card details before we can re-attempt the credit card authorization and process your order.

If you continue to have issues please submit a ticket http://www.cco.us/cco-helpdesk-request/ & ask for an invoice to be sent so you may purchase via PayPal including:

Your name

Your e-mail address

The product you are interested in purchasing

What if my credit card is declined or "cannot be validated" when ordering?

If you are trying to order , here are the easy points to check:

  • We only take Visa, MC, at this time.
  • AVS mismatch - Check your billing address, it must be the same as listed on your billing statement .
  • Check your CVV2 code (the three-digit security code, usually found on the back of your card).
  • Check your credit card expiration date.
  • Some non-US banks do not support our credit-card fraud-detection process.
  • Try submitting your order again.

If it continues to happen and you have another credit card you can use, that may be the path of least resistance.

If you don't, and you've confirmed all of the information above, and you have read the further explanations given on this page, you should contact your bank or credit provider to see if there is a problem.

Why Did This Credit Card Fail To Authorize?

When you make a credit card authorize call to save a credit card for future use, we run all the same checks as an actual payment (with the exception of checking for an available balance). You can think of this like making a payment for $0.

If you receive an error stating that we failed to authorize the card, this means the credit card issuer declined the authorization. The most common reasons for failure include:

  • Address verification (AVS) mismatch
  • Invalid CVV/Expiration
  • Card is flagged as lost or stolen
  • Risk or fraud decisions from the issuing bank

When a card fails authorization, we recommend having the payer verify the card information they entered, and if that is all correct, having them reach out to their card issuer to verify their billing information and attempt the payment again.

Failure Code: 01

Why am I getting a Payment Authorization failure message?

Possibilities are:

  1. Your credit card number, expiration date or verification code are not entered correctly. The verification code (or CVV) is a physical signature for the actual credit card you are holding and it will change when you receive a new card (with a new expiration date, etc.). Please make sure you enter the correct CVV or verification code for your new card.
  2. Your address is not entered exactly as it appears in your billing statements. You should contact your credit card company to make sure all addresses associated with your account are correct.
  3. Your credit card company does not support the Address Verification System (AVS). CCO requires all credit cards to support this.

If you are unable to place a transaction after confirming all of the information above, please do the following:

  1. Log into your CCO Account and click on "My Account."
  2. Click "Credit and Debit Card" under Account Services.
  3. Remove the non-working credit card by clicking on the "Remove" button.
  4. On your web browser, delete all cookies and temporary internet files.
  5. After the card has been removed, click on the "Add" button and re-enter the card.

If you are still unable to complete a credit card transaction, please try using a different credit card.

What do I do if the credit card authorization failed for my order?

If you ordered , but we were unable to obtain a credit card authorization, something will need updating so we can complete your order. Note that, for your protection, we do not have access to the specific reason your credit card authorization failed.

The most common reasons for a failed credit card authorization are:

  • Your credit card has expired or has been cancelled by the issuing bank.
    • If this is true in your case, please update your credit card information.
    • NOTE: You must re-enter your credit card details before we can re-attempt the credit card authorization and process your order.
  • You have moved, or your issuing bank has a different billing address on file.
    • If this is true in your case, please update your billing address.
    • NOTE: You must update your billing address before we can re-attempt the credit card authorization and process your order.
  • There may not be enough room on your card-- insufficient credit-- for the authorization to go through.
    • If this is true in your case, please contact your bank to clear some credit, or else use a different card. In either case, please re-enter your credit card information.
    • NOTE: You must re-enter your credit card details before we can re-attempt the credit card authorization and process your order.
  • The issuing bank may have declined the charge due to its dollar amount or some other bank validation reason.
    • If this is true in your case, please contact your bank to approve the charge. After you have done so, please re-enter your credit card information..
    • NOTE: You must re-enter your credit card details before we can re-attempt the credit card authorization and process your order.

If you continue to have issues please submit a ticket http://www.cco.us/cco-helpdesk-request/ & ask for an invoice to be sent so you may purchase via PayPal including:

Your name

Your e-mail address

The product you are interested in purchasing

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