--- description: Authorize.Net is a card payment gateway used by merchants to accept online and in-person payments, manage transactions, and support fraud and dispute... title: Authorize.Net payment gateway for online merchants image: https://cdn.smartretry.com/_next/static/media/og-image.0z0q4_5kazzzo.jpeg --- [Skip to main content](#main-content) # Authorize.Net ## Methods * Cards * Digital Wallets * Direct Debit Authorize.Net is a payment gateway that helps merchants accept card and bank-account payments through supported merchant accounts and e‑/m‑/ Struggling with your approval ratio for this payment provider? [contact SmartRetry team β†’](/contact) Published January 21, 2026 Last updated May 5, 2026 ![Reading time](https://cdn.smartretry.com/cdn-cgi/image/width=3840&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2F_next%2Fstatic%2Fmedia%2Fclock.337f-cmnyb532.svg)1 min ![Authorize.Net](https://cdn.smartretry.com/cdn-cgi/image/width=640&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fpayment-providers%2Flogos%2Fauthorize-net.svg) ![Authorize.Net payment phone](https://cdn.smartretry.com/cdn-cgi/image/width=750&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2F_next%2Fstatic%2Fmedia%2Fphone.3jczmn1xd9-9j.webp) Proceed payment with ![Authorize.Net](https://cdn.smartretry.com/cdn-cgi/image/width=48&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fpayment-providers%2Flogos%2Fauthorize-net.svg)Authorize.Net ## Still letting failed transactions slip through? SmartRetry turns declines into approvals - automatically, intelligently, and without changing your payment provider. Email address Let’s talk Table of Contents ## About Authorize.Net [![Official Website](https://cdn.smartretry.com/cdn-cgi/image/width=3840&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2F_next%2Fstatic%2Fmedia%2Fglobe-website.1l5fn-a17cqln.svg)](https://www.authorize.net/ "Official Website")[![LinkedIn Page](https://cdn.smartretry.com/cdn-cgi/image/width=3840&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2F_next%2Fstatic%2Fmedia%2Flinkedin-about.2wasedelio7i5.svg)](https://www.linkedin.com/company/authorize-net/ "LinkedIn Page") Product Type Payment Processor Foundation 1996 Company Type private Employees 200-500 Location ![USA](https://flagcdn.com/w20/us.webp)USA Channel OnlineIn personMOTO For developers [Status page](https://status.authorize.net)[Stack Overflow](https://stackoverflow.com/questions/tagged/authorize.net) ## Features ### Gateway for online and in-person acceptance Supports card payments via ecommerce, mobile, and compatible POS integrations. Merchant account/processor options vary by region and setup. ### Authorization and transaction management Provides tools to submit authorizations, captures, voids, and refunds. Useful for order management and payment operations workflows. ### Decline and approval-rate troubleshooting signals Surfaces common response codes and transaction details to help diagnose card declines. Can support testing and optimization with your processor. ### Security and PCI support options Offers tokenization-style features and hosted payment options that can reduce PCI scope. Security controls depend on integration method. ### Authentication and verification controls Includes verification settings (for example, AVS/CVV) and can support merchant authentication requirements based on processor/card brand rules. ### Dispute and refund workflows Helps manage refunds and transaction history needed for chargeback research. Dispute handling is typically coordinated with your processor/acquirer. ### Reliability and operational tooling Provides reporting, transaction search, and webhooks/APIs for operational visibility. Useful for monitoring and reconciliation processes. πŸ’‘Tip from SmartRetry If you’re seeing higher card declines, review AVS/CVV settings and decline codes with your processor first, then adjust rules to avoid over-filtering legitimate buyers. ## Currencies Processing currenciesUSD, CAD ## Available in Available countries * 🌍Global ### FAQ What is Authorize.Net used for? Authorize.Net is a payment gateway used by merchants to accept and manage card (and some bank-account) payments across online, mobile, and in-person channels. Is Authorize.Net a PSP or an acquirer? Authorize.Net is primarily a payment gateway; you typically still need a merchant account/processor (acquirer) to actually process card payments and fund settlements. Can Authorize.Net help improve approval rates or reduce card declines? It can help you diagnose declines by exposing response codes and verification results, but approval rates are also driven by your processor, card issuer decisions, and your fraud/verification settings. Why are transactions being declined even when the card is valid? Common causes include issuer declines, AVS/CVV mismatches, fraud settings that are too strict, formatting/data issues, or processor configuration. Use the decline reason code and your processor support to pinpoint the cause. Does Authorize.Net support recurring billing? Yes, it supports recurring and subscription-style payments depending on your account setup and integration choices. ## Statuses * All * Response Code * Transaction Response Reason Code * API Message Code __Statuses \- All__ | Code | Description | Level | Frequency | Resolution | | -------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | -------------------- | ---------- | ---------- | | Response Code | | | | | | 1 | Approved The transaction was successfully approved. No further action required; proceed with order fulfillment. | Approved | Common | T0 | | 2 | Declined The transaction was declined by the issuing bank or processor. Ask the customer to contact their bank or use a different payment method. | Declined | Common | T2 | | 3 | Error A processing error occurred. Review the reason code (transactionResponse.messages.code) for more detail and retry or correct the request. | Error | Occasional | T0 | | 4 | Held for Review The transaction has been held for manual review by the Advanced Fraud Detection Suite (AFDS). Merchant must review and approve or void it. | Processing | Occasional | T1 | | Transaction Response Reason Code | | | | | | 6 | Invalid Card Number The credit card number is invalid. Ask the customer to verify and re-enter the card number. | Error, Declined | Common | T0 | | 7 | Invalid Expiration Date The credit card expiration date is invalid or formatted incorrectly. | Error, Declined | Common | T0 | | 8 | Card Expired The credit card has expired. The customer must use a current, valid card. | Declined | Common | T3 | | 9 | Invalid ABA Code The bank routing (ABA) number is invalid. Verify the routing number. | Error, Declined | Occasional | T0 | | 10 | Invalid Account Number The bank account number is invalid. Have the customer verify their account number. | Error, Declined | Occasional | T0 | | 11 | Duplicate Transaction A duplicate transaction was submitted within a short time window. Space out identical transaction attempts. | Error | Occasional | T0 | | 17 | Card Type Not Accepted The merchant account does not accept this card type (e.g., Discover, Amex). Update accepted card types in the merchant settings. | Error, Declined | Occasional | T3 | | 18 | ACH Not Accepted The merchant account is not configured to accept ACH/eCheck transactions. | Error | Occasional | T1 | | 19 | Processing Error – Retry A general processing error occurred. Retry the transaction after a brief delay. | Error | Occasional | T0 | | 27 | AVS Mismatch The transaction was declined because of an AVS mismatch. The address provided does not match the billing address of the cardholder. | Declined | Common | T0 | | 36 | Settlement Failed The authorization was approved but settlement failed. Contact the processor. | Error | Rare | T1 | | 41 | Decline – Fraud Filter Declined by the AFDS fraud filter. Review fraud settings or whitelist the transaction if legitimate. | Declined, Error | Occasional | T1 | | 44 | CVV Decline The card security code (CVV2/CVC2) does not match. Ask the customer to re-enter the CVV code. | Declined | Common | T0 | | 45 | AVS and CVV Mismatch Both the billing address and CVV failed verification. Consider blocking further attempts from this card. | Declined | Occasional | T0 | | 47 | Settlement Amount Exceeds Auth The settlement amount is greater than the originally authorized amount. Adjust the capture amount. | Error | Occasional | T0 | | 49 | Amount Exceeds Maximum The transaction amount exceeds the maximum allowed per-transaction limit. | Error, Declined | Occasional | T1 | | 50 | Awaiting Settlement – Cannot Refund The transaction is awaiting settlement and cannot be refunded yet. Wait for settlement before issuing a refund. | Error | Occasional | T0 | | 51 | Refund Exceeds Original The sum of all credits against this transaction is greater than the original transaction amount. | Error | Occasional | T0 | | 52 | Authorized – Client Not Notified Transaction was authorized but the client could not be notified via relay response. It will not be settled. | Error | Rare | T1 | | 53 | Invalid ACH Transaction Type The transaction type is not valid for ACH (eCheck) transactions. | Error | Occasional | T0 | | 54 | Refund Criteria Not Met The referenced transaction does not meet the criteria for issuing a credit (e.g., it was declined or voided). | Error | Occasional | T0 | | 55 | Refund Exceeds Original (Sum) The total of all credits against the referenced transaction would exceed the original debit amount. | Error | Occasional | T0 | | 56 | Credit Cards Not Accepted The merchant does not accept credit card transactions. | Error | Rare | T3 | | 57 | Processing Error (57–63) General processing errors (57–63). Retry the transaction or contact the processor. | Error | Occasional | T0 | | 65 | CVV Mismatch – Velocity Transaction declined because the CVV did not match. Recommend verifying card details or using a different card. | Declined | Occasional | T0 | | 66 | Cannot Accept Transaction The transaction cannot be accepted for processing at this time (e.g., velocity, compliance). | Error, Declined | Occasional | T1 | | 78 | Invalid Card Code The card security code (CVV) submitted is invalid. | Error, Declined | Occasional | T0 | | 90 | ACH Not Accepted (System) ACH transactions cannot be accepted on this system. | Error | Rare | T3 | | 104 | Under Review – AFDS Transaction is under review by the fraud detection system. Merchant must manually approve or void. | Processing | Occasional | T1 | | 105 | Under Review – IP Address Transaction flagged and held for review based on IP address criteria. | Processing | Occasional | T1 | | 106 | Under Review – Shipping/Billing Mismatch Transaction held for review due to a mismatch between shipping and billing addresses. | Processing | Occasional | T1 | | 107 | Under Review – Shipping Address Transaction flagged for review based on shipping address criteria. | Processing | Occasional | T1 | | 108 | Under Review – Email Transaction held due to email address fraud filter trigger. | Processing | Occasional | T1 | | 109 | Under Review – Authorized Amount Transaction held for review based on authorized amount thresholds. | Processing | Occasional | T1 | | 110 | Under Review – Quantity Transaction held for review due to unusual item quantity. | Processing | Occasional | T1 | | 127 | AVS Mismatch – Advanced Advanced AVS mismatch. Review and fine-tune AVS filters in the merchant account. | Declined | Occasional | T0 | | 130 | Merchant Account Closed The merchant account has been closed and cannot process transactions. | Error | Rare | T1 | | 141 | Decline – Fraud (AFDS) Transaction declined by the Advanced Fraud Detection Suite. Review fraud filter thresholds. | Declined, Error | Occasional | T1 | | 145 | Decline – Fraud (AFDS + AVS/CVV) Declined by AFDS combined with AVS/CVV failure. High-risk indicator; do not retry. | Declined, Error | Occasional | T1 | | 165 | Decline – Fraud (AFDS Override) Transaction declined due to AFDS override. Adjust fraud filter settings if this is a false positive. | Declined, Error | Rare | T1 | | 191 | Decline – Velocity (AFDS) Transaction declined because velocity limits set in AFDS were exceeded. | Declined, Error | Occasional | T1 | | 193 | Under Review – Recurring A recurring transaction is under review. Review before allowing settlement. | Processing | Occasional | T1 | | 200 | Decline – Bank Code 200 Processor-level decline (code 200–224). These codes correspond to specific issuer-returned decline reasons such as do-not-honor, insufficient funds, or card restrictions. | Declined | Common | T2 | | 237 | Referenced Transaction Expired The referenced transaction has expired and can no longer be used for a capture, void, or refund. | Error | Occasional | T0 | | 243 | Recurring Not Allowed for eCheck Type Recurring billing is not allowed for the specified eCheck.Net type. | Error | Rare | T1 | | 248 | Invalid Check Number The check number provided is invalid. | Error | Rare | T0 | | 250 | Decline – AFDS IP Block Transaction declined due to a blocked IP address. Review IP blocking rules in AFDS. | Declined, Error | Occasional | T1 | | 251 | Decline – AFDS Shipping Block Transaction declined due to a suspicious shipping address triggered by AFDS. | Declined, Error | Occasional | T1 | | 252 | Accepted – Pending Review Order accepted but flagged for review. The transaction will settle unless the merchant voids it. | Approved, Processing | Occasional | T1 | | 253 | Accepted – Under Review Order accepted and held for further review. Review and settle or void accordingly. | Approved, Processing | Occasional | T1 | | 254 | Decline – AFDS Transaction Review Transaction declined after being reviewed in AFDS. Merchant should review fraud settings. | Declined, Error | Occasional | T1 | | 295 | Partial Approval The prepaid or gift card was only partially approved. An additional payment is required to fulfill the balance. | Processing, Info | Occasional | T0 | | 307 | Reversal Processed Successfully A void/reversal was processed successfully. No further action needed. | Approved | Occasional | T0 | | 308 | Original Transaction Not Found for Reversal The original transaction referenced for reversal could not be found. | Error | Rare | T0 | | 310 | Already Voided This transaction has already been voided and cannot be voided again. | Error | Occasional | T0 | | 311 | Already Captured This transaction has already been captured and cannot be captured again. | Error | Occasional | T0 | | 312 | Invalid Security Code The specified security code was invalid. Have the customer re-enter the CVV. | Declined | Occasional | T0 | | 315 | Invalid Card Number (Duplicate Check) The credit card number is invalid (returned in the context of a 3DS or device-based submission). | Error, Declined | Occasional | T0 | | 316 | Invalid Expiration (Duplicate Check) Credit card expiration date is invalid in a device-based submission. | Error, Declined | Occasional | T0 | | 317 | Card Expired (Duplicate Check) The credit card has expired; returned in device or recurring payment contexts. | Declined | Occasional | T3 | | 318 | Duplicate Transaction (Device) A duplicate transaction was submitted from a device integration. | Error | Occasional | T0 | | 327 | Void Failed The void request failed because the original transaction type does not support void, or the transaction is in the process of settling. | Error | Occasional | T0 | | 901 | System Maintenance The gateway cannot accept transactions due to system maintenance. Retry later. | Error | Rare | T0 | | 2200 | Settlement Amount Mismatch The settlement amount must equal the originally authorized amount for this processor. Void and re-authorize if the amount changed. | Error | Occasional | T0 | | API Message Code | | | | | | I00001 | Successful The API request was processed successfully. | Approved | Common | T0 | | I00004 | No Records Found No records were found matching the query. | Info | Occasional | T0 | | E00001 | Processing Error An unexpected system error occurred. Retry the request. | Error | Occasional | T0 | | E00005 | Invalid API Credentials The transaction key or API key is invalid or not present. Verify API credentials. | Error | Occasional | T1 | | E00007 | Authentication Failed API user authentication failed due to invalid user name and/or transaction key. | Error | Occasional | T1 | | E00008 | Inactive Account The payment gateway, reseller, or user account is not currently active. | Error | Rare | T1 | | E00013 | Invalid Field One of the submitted field values is not valid. Review field validation rules. | Error | Common | T0 | | E00014 | Missing Required Field A required field was not present in the request. | Error | Common | T0 | | E00027 | Transaction Unsuccessful An approval was not returned for the transaction. | Error, Declined | Occasional | T2 | | E00039 | Duplicate Record A duplicate customer profile, payment profile, or shipping address was already submitted. | Error | Occasional | T0 | | E00040 | Record Not Found The customer profile ID, payment profile ID, or transaction ID is not valid for this merchant. | Error | Occasional | T0 | | E00049 | Database Timeout The database operation timed out. Retry the request. | Error | Rare | T0 | | E00053 | Server Too Busy The server is too busy to process the request. Retry after a delay. | Error | Rare | T0 | | E00078 | Pending Status (Not Completed) The request is in a pending state and has not been completed yet. | Processing | Occasional | T0 | | E00104 | Server in Maintenance The server is in maintenance; retry later. | Error | Rare | T0 | | E00118 | Blocked IP Address The transaction was declined because it was submitted from a blocked IP address. | Declined, Error | Occasional | T1 | ## Payment providers you might find interesting: [View all](/payment-providers) [![UnionPay](https://cdn.smartretry.com/cdn-cgi/image/width=3840&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fpayment-providers%2Flogos%2Funionpay.svg) UnionPay UnionPay is a global card payment network used by issuers, acquirers, and merchants to accept UnionPay-branded card payments.](/payment-providers/unionpay)[![Klarna](https://cdn.smartretry.com/cdn-cgi/image/width=3840&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fpayment-providers%2Flogos%2Fklarna.svg) Klarna Klarna is a payment provider that lets merchants offer buy now, pay later and flexible payment options at checkout.](/payment-providers/klarna)[![Paysafe Group](https://cdn.smartretry.com/cdn-cgi/image/width=3840&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fpayment-providers%2Flogos%2Fpaysafe.svg) Paysafe Group Paysafe Group is a payments provider supporting merchants with payment processing and related tools for accepting and managing transactions.](/payment-providers/paysafe-group)[![Square](https://cdn.smartretry.com/cdn-cgi/image/width=3840&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fpayment-providers%2Flogos%2Fsquare.svg) Square Square is a payment provider that helps merchants accept card and digital wallet payments in-store and online with built-in business tools.](/payment-providers/square) ## Articles you may find interesting: [View all](/blog) [![Solving CVV Mismatch Declines: Root Causes and Practical Remediation for Merchants](https://cdn.smartretry.com/cdn-cgi/image/width=3840&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fuploads%2F2026%2F09%2Fresolving-cvv-mismatch-payment-declines.jpg) September 15, 2026 Solving CVV Mismatch Declines: Root Causes and Practical Remediation for Merchants Discover why CVV mismatch errors trigger costly false declines across gateways. Learn how to refine risk thresholds, implement dynamic validation, and leverage network tokens to recover revenue without sacrificing security.](/blog/cvv-errors-causes-merchant-solutions)[![Evaluating Payment Recovery Software to Prevent Involuntary Churn](https://cdn.smartretry.com/cdn-cgi/image/width=3840&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fuploads%2F2026%2F09%2Fsubscription-payment-recovery-software-evaluation.jpg) September 15, 2026 Evaluating Payment Recovery Software to Prevent Involuntary Churn Explore how modern payment recovery platforms use intelligent retries, automated account updaters, and targeted dunning to curb involuntary churn and recover recurring subscription revenue.](/blog/failed-payment-recovery-software)[![Optimizing Payment Performance: From Intelligent Routing to Soft Decline Recovery](https://cdn.smartretry.com/cdn-cgi/image/width=3840&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fuploads%2F2026%2F09%2Fpayment-performance-optimization-strategies-1.jpg) September 15, 2026 Optimizing Payment Performance: From Intelligent Routing to Soft Decline Recovery Maximizing payment approvals requires moving beyond passive processing. Discover how dynamic routing, network tokens, and smart decline recovery protect revenue and reduce involuntary customer churn across enterprise payment stacks.](/blog/payment-optimization)[![Payment Dispute Resolution and Revenue Recovery Strategies for 2026](https://cdn.smartretry.com/cdn-cgi/image/width=3840&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fuploads%2F2026%2F09%2Fpayment-dispute-resolution-revenue-recovery-strategy.jpg) September 7, 2026 Payment Dispute Resolution and Revenue Recovery Strategies for 2026 Discover how modern payment teams balance fraud prevention with user experience, using network interception tools and intelligent recovery logic to protect baseline revenue and cut false declines.](/blog/payment-dispute-resolution-revenue-recovery) --- ```json {"@context":"https://schema.org","@type":"WebPage","@id":"https://www.smartretry.com/payment-providers/authorize-net","name":"Authorize.Net","url":"https://www.smartretry.com/payment-providers/authorize-net","inLanguage":"en","isPartOf":{"@type":"WebSite","@id":"https://www.smartretry.com/#website","name":"SmartRetry","url":"https://www.smartretry.com","description":"Payment recovery guides, tools and reference data from SmartRetry - failed payment recovery, false decline prevention and authorization rate optimization.","inLanguage":"en","publisher":{"@type":"Organization","@id":"https://www.smartretry.com/#organization","name":"SmartRetry","url":"https://www.smartretry.com","logo":{"@type":"ImageObject","url":"https://cdn.smartretry.com/logo.png","width":{"@type":"QuantitativeValue","value":175,"unitCode":"PX"},"height":{"@type":"QuantitativeValue","value":29,"unitCode":"PX"}},"description":"SmartRetry is a smart payment recovery platform that helps businesses save revenue from failed payment transactions and reduce false declines.","sameAs":["https://x.com/smartretry","https://www.facebook.com/smartretry","https://www.instagram.com/smartretry","https://www.linkedin.com/company/smartretry","https://www.youtube.com/@smartretry"],"contactPoint":{"@type":"ContactPoint","contactType":"customer support","availableLanguage":["Hebrew","English"],"url":"https://www.smartretry.com/contact"},"address":{"@type":"PostalAddress","streetAddress":"Menachem Begin","addressLocality":"Tel Aviv-Yafo","addressCountry":"IL"}}},"author":{"@type":"Organization","@id":"https://www.smartretry.com/#organization","name":"SmartRetry","url":"https://www.smartretry.com","logo":{"@type":"ImageObject","url":"https://cdn.smartretry.com/logo.png","width":{"@type":"QuantitativeValue","value":175,"unitCode":"PX"},"height":{"@type":"QuantitativeValue","value":29,"unitCode":"PX"}},"description":"SmartRetry is a smart payment recovery platform that helps businesses save revenue from failed payment transactions and reduce false declines.","sameAs":["https://x.com/smartretry","https://www.facebook.com/smartretry","https://www.instagram.com/smartretry","https://www.linkedin.com/company/smartretry","https://www.youtube.com/@smartretry"],"contactPoint":{"@type":"ContactPoint","contactType":"customer support","availableLanguage":["Hebrew","English"],"url":"https://www.smartretry.com/contact"},"address":{"@type":"PostalAddress","streetAddress":"Menachem Begin","addressLocality":"Tel Aviv-Yafo","addressCountry":"IL"}},"publisher":{"@type":"Organization","@id":"https://www.smartretry.com/#organization","name":"SmartRetry","url":"https://www.smartretry.com","logo":{"@type":"ImageObject","url":"https://cdn.smartretry.com/logo.png","width":{"@type":"QuantitativeValue","value":175,"unitCode":"PX"},"height":{"@type":"QuantitativeValue","value":29,"unitCode":"PX"}},"description":"SmartRetry is a smart payment recovery platform that helps businesses save revenue from failed payment transactions and reduce false declines.","sameAs":["https://x.com/smartretry","https://www.facebook.com/smartretry","https://www.instagram.com/smartretry","https://www.linkedin.com/company/smartretry","https://www.youtube.com/@smartretry"],"contactPoint":{"@type":"ContactPoint","contactType":"customer support","availableLanguage":["Hebrew","English"],"url":"https://www.smartretry.com/contact"},"address":{"@type":"PostalAddress","streetAddress":"Menachem Begin","addressLocality":"Tel Aviv-Yafo","addressCountry":"IL"}},"about":{"@type":"Organization","name":"Authorize.Net","url":"https://www.authorize.net/","foundingDate":"1996","address":"USA","image":"https://cdn.smartretry.com/payment-providers/logos/authorize-net.svg","sameAs":["https://www.authorize.net/","https://www.linkedin.com/company/authorize-net/"]},"description":"Authorize.Net is a payment gateway that helps merchants accept card and bank-account payments through supported merchant accounts and e‑/m‑/","datePublished":"2026-01-21T21:17:20.000Z","dateModified":"2026-05-05T03:36:43.000Z","primaryImageOfPage":{"@type":"ImageObject","url":"https://cdn.smartretry.com/payment-providers/logos/authorize-net.svg"}} {"@context":"https://schema.org","@type":"FAQPage","author":{"@type":"Organization","@id":"https://www.smartretry.com/#organization","name":"SmartRetry","url":"https://www.smartretry.com","logo":{"@type":"ImageObject","url":"https://cdn.smartretry.com/logo.png","width":{"@type":"QuantitativeValue","value":175,"unitCode":"PX"},"height":{"@type":"QuantitativeValue","value":29,"unitCode":"PX"}},"description":"SmartRetry is a smart payment recovery platform that helps businesses save revenue from failed payment transactions and reduce false declines.","sameAs":["https://x.com/smartretry","https://www.facebook.com/smartretry","https://www.instagram.com/smartretry","https://www.linkedin.com/company/smartretry","https://www.youtube.com/@smartretry"],"contactPoint":{"@type":"ContactPoint","contactType":"customer support","availableLanguage":["Hebrew","English"],"url":"https://www.smartretry.com/contact"},"address":{"@type":"PostalAddress","streetAddress":"Menachem Begin","addressLocality":"Tel Aviv-Yafo","addressCountry":"IL"}},"mainEntity":[{"@type":"Question","name":"What is Authorize.Net used for?","acceptedAnswer":{"@type":"Answer","text":"Authorize.Net is a payment gateway used by merchants to accept and manage card (and some bank-account) payments across online, mobile, and in-person channels."}},{"@type":"Question","name":"Is Authorize.Net a PSP or an acquirer?","acceptedAnswer":{"@type":"Answer","text":"Authorize.Net is primarily a payment gateway; you typically still need a merchant account/processor (acquirer) to actually process card payments and fund settlements."}},{"@type":"Question","name":"Can Authorize.Net help improve approval rates or reduce card declines?","acceptedAnswer":{"@type":"Answer","text":"It can help you diagnose declines by exposing response codes and verification results, but approval rates are also driven by your processor, card issuer decisions, and your fraud/verification settings."}},{"@type":"Question","name":"Why are transactions being declined even when the card is valid?","acceptedAnswer":{"@type":"Answer","text":"Common causes include issuer declines, AVS/CVV mismatches, fraud settings that are too strict, formatting/data issues, or processor configuration. Use the decline reason code and your processor support to pinpoint the cause."}},{"@type":"Question","name":"Does Authorize.Net support recurring billing?","acceptedAnswer":{"@type":"Answer","text":"Yes, it supports recurring and subscription-style payments depending on your account setup and integration choices."}}]} {"@context":"https://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https://www.smartretry.com/"},{"@type":"ListItem","position":2,"name":"Payment Providers","item":"https://www.smartretry.com/payment-providers"},{"@type":"ListItem","position":3,"name":"Authorize.Net","item":"https://www.smartretry.com/payment-providers/authorize-net"}]} ```