We recently faced a problem in our SCA Sandbox website with the MerchantE Payment Gateway, where transactions using test cards such as Visa, American Express, and Discover cards were failing, while MasterCard test cards worked fine. This was concerning, as when we tried to test the functionality of the website by placing an order from the checkout, it displayed an error message as shown below:
Upon inspecting the error, we got the following details:
{
“errorStatusCode”: “400”,
“errorCode”: “ERR_WS_CC_AUTH”,
“errorMessage”: “An error occurred while processing your credit card. Please contact the merchant for further assistance.”
}
However, MasterCard test cards processed without any issues.
After checking with NetSuite support, a solution was provided: to use “123” as the CVV for Visa and Discover test cards and “1234” as the CVV for American Express test cards. This fixed the problem for the failing cards. The NetSuite Support Team also confirmed that the issue is likely related to how MerchantE handles CVV numbers in test mode and not due to NetSuite’s setup. So, if facing this issue and using the above mentioned CVV’s are not working, it is recommended to contact the client managing the MerchantE account to verify the settings or configurations, as the issue may be specific to how CVV validation is handled in MerchantE test environment.