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Posted 11 February 2018 - 10:44 AM



I have checked the credit card log and can see that no authorisation refusals have occurred since 7th February.  I've also just done a test purchase (using a mastercard) and everything worked perfectly for me.


This leads me to believe that you card failed pre-authorisation checks.  These checks are for things such as an incorrectly entered card number or an invalid card type and are done before a request is made to the card issuer for authorisation.  


If you can give me more details of the card type used and the actual error message received, I can give you more information about precisely why your card was refused.  Use the contact form at: http://excelcentral..../contactus.aspx for more privacy and security.


Best Regards


Mike Smar

Posted 10 February 2018 - 11:08 PM

I'm trying to purchase an item online and every time I put in my credit card information it says that my card can't be authorized!


Posted 06 November 2017 - 10:37 AM



Here are the answers to both previous questions:


>> Is it possible to purchase an e-book using cash as a payment method?


There are several ways to do this:


1. Open a PayPal account and then fund the account using PayPal Cash by visiting a retailer that has enrolled into the PayPal Cash service.  You can then make your purchase using PayPal (that we accept).  


2. Purchase a pre-paid debit card.  Many retailers sell these just for this purpose.


3. Ask  a friend who has a credit card/debit card to make the purchase for you and then give your friend the cash.


4. If you have a bank account, open a PayPal account and then fund it with a bank transfer.


>> Your transaction was declined. Please try again. Reason - PBE10002-Card not active for online transactions.


This means that your card has been blocked by the card issuer for online purchases.  Telephone your card provider and ask them to unblock it.


Best Regards


Mike Smart

Posted 06 November 2017 - 08:57 AM


Your transaction was declined. Please try again. Reason - PBE10002-Card not active for online transactions.

Posted 05 November 2017 - 04:27 PM

Is it possible to purchase an e-book using cash as a payment method?


Posted 26 October 2017 - 09:35 AM

Hello Jean


If your credit card company definitely know nothing about the failed authorization the problem is caused by pre-screening.


Retailers are sometimes charged a few cents by credit companies/gateway providers just for submitting a card for approval (even if approval fails).  If you have a business with a massive number of failed authorizations the cost of just asking the credit card company to authorize can amount to a lot of money.  For this reason, some retailers/gateways may decide to use a pre-authorization service. I can guess that Disneyland tickets would be a prime target for fraudsters as they are so easy to sell so Disney probably do have a lot of problems.


Pre-authorization is a little like anti-spam measures for e-mails - some legitimate transactions that should be authorized will be blocked (in the same way that you'll often find genuine e-mails in your junk folder). 


You can never second-guess which pre-authorization rules are in use.  It might be something as simple as your card being registered in a different country to the one you are buying goods in - or even "red lining" (where addresses in particular countries or even geographic areas within a country) are routinely blocked.  


It might be a good idea (if possible) to telephone the supplier and ask them to take your credit card number over the phone.  This is apparently regarded as far less risky than a credit card number supplied over the Internet and you may find that this method skips the pre-authorizaton step and will thus be approved.  It is also the case that PayPal payments are usually "always approved" (as the cash is in your PayPal account) so, if the retailer accepts PayPal you can open and fund a PayPal account (using your credit card) and then use PayPal to pay the retailer.


I hope you get to enjoy Tokyo Disney Sea (hope I get there one day)!


Best Regards



Mike Smart

Posted 26 October 2017 - 07:23 AM

Hi ! I tried to purchase theme park tickets (for Tokyo Disney Sea) on the official website, using credit cards which are supposed to be used on this website, and just when the transaction is going to be done, there's a message saying that the credit card wasn't authorized and that I should try another one. We tried different cards (mine, my mother's...) and it's still not working... Except the problem doesn't come from the card issuers (we called them) So I wonder if the problem comes from the website, or maybe it's something else ?


Posted 15 August 2017 - 09:23 AM



This is due to your card issuer implementing something called "3D Secure".  In this system the card issuer gets you to set a password and then, when you try to use the card, you are taken to a 3D Secure page that asks for the password.  The message you are describing sounds like you have entered  the wrong password too many times and then been blocked "by your card issuer" from trying any more (for security reasons).  The solution is to contact your card issuer, explain that you have forgotten your password and ask them to reset it.


Note that you can also pay by PayPal in which case you can fund your PayPal account in many ways.


Best Regards


Mike Smart

Posted 15 August 2017 - 06:13 AM



Posted 12 January 2017 - 11:44 AM

Hi Nick


I'm assuming that this error was reported when you attempted to pay using a credit or debit card and that this error originates with your card provider.


The only authority that can definitively tell you the precise meaning of their error message is your card provider.  If you phone or e-mail them and ask why your payment was declined they will tell you.  They will not tell anybody else for security reasons.


My best guess is that the error relates to an invalid account number meaning that you entered your card number incorrectly.


Best Regards



Mike Smart

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