Online Transaction Security

Security Training Center,® LLC. processes hundreds of online transactions monthly as part of our online course sales. We hold ourselves to the highest security standards for online sales. Our online transaction partners are the industry standard in fraud prevention and secure payments: Authorize.net and Chase Paymentech.

Why do I see a charge for a declined transaction?
or,
Why was my transaction declined?

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When a card issuing bank receives an authorization request for a charge, they will confirm that the card number is valid and verify that there are available funds to cover the requested amount. If the funds are available, the card issuing bank will reserve the funds, and return an authorization code that allows Security Training Center,® LLC. to claim the funds during settlement.

The card issuing bank also compares the cardholder's billing address on file to the address submitted with the transaction. The bank then returns an Address Verification Service (AVS) response code along with the authorization code that indicates whether or not the billing address matches the bank's records. If the BILLING ADDRESS provided is not an EXACT MATCH to what appears on the credit card statement, the transaction is marked as Declined and will not be settled.

However, even if a transaction is declined due to an AVS Mismatch, the authorization code and the hold on the authorized funds will remain on the customer's card until the card issuing bank removes the authorization. As a result, the held funds may be subtracted from the customer's available balance, and an online statement may show the authorization request, which might be mistaken for an actual charge. Most card issuing banks will remove authorizations within 3-7 days if they are not claimed for settlement. This is most common with debit cards used as credit cards.

NOTE: Multiple declined transactions may result in multiple temporary fund holds. This is a banking issue and completely beyond the ability of Security Training Center,® LLC. to resolve. Unclaimed funds will be returned by the bank; it just takes time.

Activating Prepaid Credit Cards

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Prepaid credit cards require an additional step before they can be used online. Although they can be used in-person immediately, the card must be associated with the card holder before it can be used online. This is done to prevent fraudulent use of the card and protect the legitimate card holder. The online activation/registration associates the home address of the card holder with the card so that it can pass online fraud detection tests (see section above).

Cards that have not been activated for online use will be declined by Authorize.net's Address Verification Service (AVS).

To make an online or phone purchase, you will need to register your card. To register:

  1. Either call the issuer, or visit their website.
    This information should have been supplied to you by the issuer when you received the card. It may also be printed on the back of the card.
  2. When you make an online or phone purchase, the name, address, and phone number you use will need to be exactly the same as the information you provided when registering your card in order to avoid declines
  3. You can verify or update your information by visiting the card issuer's Web site, or by contacting them using the toll-free number provided in your card materials.

The links below explain the process for activating prepaid and Visa gift cards for online use.

How to activate your Visa Gift Card
http://usa.visa.com/personal/personal-cards/gift-cards/how-to-use.jsp

Get a Visa Prepaid Card - How It Works
http://usa.visa.com/personal/personal-cards/prepaid-cards/buy-online.jsp