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Large number of declines & invalid card number

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We’ve just rolled our product out to production, we have 80 successful transactions yesterday which show’s it is working in some case but we also received 105 declines.

We’ve correctly setup createVerificationDetails using STORE, countryCode, familyName, givenName & email. The tokenization works fine on all test cards, and a variety of live cards.

On the back-end we trigger two API’s createCard and createPayment, majority seem to be failing on the initial createCard.

These are the error codes & number of occurences. Why are we seeing such a large number of invalid_card_data, these have been pulled from our API logs. The front-end is built using the react web SDK.

  • INVALID_CARD_DATA: 61 occurrences
  • GENERIC_DECLINE: 36 occurrences

How can we lower the decline rate / invalid card, on our previous payment processor Stripe this was a non-existent issue.

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