Quote Originally Posted by Nibbitz View Post
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Programmer here as well, and I work with online payment processors. In GlobalCollect's logs (if they keep any), they will know the exact reason why a payment was declined given from the respective financial institutions. I had an issue once where the amount being sent to the authorization call was being rounded, so when the value was sent again for the charge request it didn't match the authorization amount and payment was declined.

It's possible they aren't providing SE with the exact reason, or they are and SE is just lumping a given set of errors into these three error codes. There is just too much unknown, and we really don't need to know, which leads to limitless speculation. The problem is that there has been no official response or recognition about the issue.

I have never heard or used a major company that will lockout your account from all payments after one failed attempt.

Now that the purchase of Crysta using paypal is no longer an option the problem seems to have ballooned. Hopefully we will hear a response soon.