Can anyone please tell me whether there any amount limitation for Authorize.net eCheck transaction? I am asking this for live account for sandbox it is $100.
For testing purposes, eCheck transactions over $100 are declined for testing purposes. Check the testing guide for more details.
https://developer.authorize.net/hello_world/testing_guide/
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I have validated the credit card in Authorize.net using the authOnlyTransaction method. I have also the option of ACH validation but there are some problems in validating that may be because of lack of knowledge in payment domain.
I tried to use the authorize.net but i have to specify the amount first.
It does not validate all the credentials but only routing number and bank name
I have to wait 2-3 days for the verification from the bank regarding the payment.
Question is, is there any method which i can use to validate the ACH
on my webpage when user hit the verify button ? I have also tried to use the plaid but in the documentation it states that this also required some days to valid. Any kind of help would be much appreciated.
There is no way to get real time verification of a bank account through Authorize.Net. ACH works differently than credit cards and this is one of the limitations of it (the upside being lower cost associated with accepting ACH payments).
Plaid does offer account verification through an API which returns an immediate result. Plaid is not free, however.
If you provide a service or product and accept ACH payments, and don't want the risk associated waiting from verification that the account is valid or pay fees, then you should postpone allowing access to that service or shipping your good until payment clears. Otherwise, a service like Plaid is what you are looking for.
In my project I am using authorize.net AIM & CIM feature for payment processing, I want to implement real time verification of card holder during transaction using authorize.net & asp.net (C#) in order to provide higher level of security and avoid fraud transaction. I am doing R&D on this to have most prominent solution which will support for all types of credit card such Visa, Master Card,American Express, Discover etc.
Kindly provide help on this.
Thanks
From what I understand, you just want to verify if the card is valid or not, in other term you want to authorize a transaction.
For that Authorize.Net provides with API specifically known as Authorize Only
You can look into : http://developer.authorize.net/api/reference/index.html#payment-transactions-authorize-a-credit-card
It has the sample request XML as well as sample codes, have a look into it.
I have a web site that is a Seller to customer service. E.g: A seller is selling Item_a for £100, a customer then wants to buy this Item_a. Is there a way to automate a transaction so that If they sell the Item for £100, I would like 90% to go to the Seller and 10% to go to me for providing the service (some kind of a reseller commission).
Is there a way of automating this if you had hundreds of transactions taking place? could it be done with paypal, Google Checkout or another service?
yes this is definitely possible. I know for sure you can in paypal, but the other services should be the same. Paypal may be the easiest however. The specifics of how you do this is a bit complicated and you should look into the api reference:
https://cms.paypal.com/us/cgi-bin/?cmd=_render-content&content_ID=developer/howto_api_reference
also you can test out your code in the sandbox:
https://developer.paypal.com/
I have setup Authorize.net's Automated Recurring Billing in a system I have built, which works great.
The only downfall is when someone puts in bad billing information, AVS is not checked (and it returns successful). It only creates the account, and the payment will fail at the first time it is billed, which is often the next day.
How can I catch the bad billing information before we complete the transaction?
Use AIM to process the first payment. That way you know the card is valid before setting up the subscription and can perform AVS and CVV verification. If you don't want to charge the first payment, then do an AUTH_ONLY with AIM to accomplish the same effect.
I'm integrating with Authorize.net's ARB API. Authorize.net processes their transactions at a certain time everyday, so when people create a subscription, their transaction is not real time.
I am creating a subscription based model, does their API tell me whether their CC has been processed? Or should I put a delay on the access to my site until they have processed all the ARB transactions that day.
Thanks in advance!
You should be charging their first subscription payment via the AIM API. This will give you instant feedback as to whether or not the payment was good. Assuming it was successful you then can use ARB to create their subscription by setting the start date to be the date of their next scheduled payment.
This serves two purposes:
If the card is bad you know immediately and can have the user provide a new card while they are still on your website. Once they leave your site it gets much more difficult to get them back to correct it.
You can give them instant access without worrying about whether or not their card is approved or not.
FYI, you can use Silent Post to determine the status of payments made via ARB.