Quote Originally Posted by miles00001001 View Post
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.
This echoes my thoughts. I've also written some software utilizing payment processors and we always had a (long) list of error codes that would be returned and what those codes mean. This entire system is ridiculous. Especially when I contact my financial institution and they're saying that there was nothing wrong happening on their end.