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Asked by JReam in E-Commerce, Payment Processing Recommendation and Integrating
Paypal Virtual Terminal Merchant - Customer Visa declinced?
We're trying to start accepting Visa/MC at our business. We opened a Paypal Virtual Terminal Merchant account a few months ago because we've been using Paypal/Ebay for years buying things and felt comfortable with Paypal. We have successfully tested Visa transactions of around $10 with our personal credit cards. So far so good. Problem: Our first few real Visa charge attempts have all been rejected with the error: "15005 - Gateway decline: Your card issuer declined this transaction, not Paypal. Ask your buyer for another card.". Most of our transaction will be in the $1000-$2000 range. Over the last couple of weeks we've tried maybe 3 or 4 times to use a customer's Visa at their request, and everytime we get the 15005 error.
I'm starting to think that Paypal has been Blacklisted by most Credit Card issuing banks and these issuers will only approve nickle & dime transactions from Paypal Virtual Terminal. Paypal tech support points the finger at the 'issuer', but I can't believe we'd get nailed by this 5 out of our first 5 attempts. Maybe Paypal is blacklisted, especially when its over x dollars, and only virtual terminal accounts for online merchants, and if so Paypal probably wouldn't tell us as they'd rather have us tell cardholders to go back to their issuing banks and get paypal approved, I'm just thinking out load.
Should we give up on Paypal Virtual Terminal Merchant and look at the other merchant providers such as Flagship and Merchant Warehouse?
20091118-EE-VQP-93 - Hierarchy / EE_QW_3_20080625
