PayPal Payment Pro Fraud Filters and PayFlow Gateway Error

[elcucococo]

Hi,

I recently upgraded to PayPal Payment Pro to handle credit card processing on my site. I am also using the 'PayPal Payments Advanced and/or Payflow Gateway' in Miva's Payment Settings.

The problem that I am having is that when I enabled Fraud Filters in PayPal Payments Pro (per PayPal's suggestion), that the AVS Mismatch filter is causing an error during checkout on the OPAY screen.

Specifically, the error is:
Unable to authorize payment: Under review by Fraud Service

Interestingly, on PayPal's end, the payment was authorized (as I can see it from PayPal's back-end for review). However, Miva Merchant never goes to the Invoice screen. It is just stuck on the OPAY screen with the above error.

Of course, disabling the Fraud Filters in PayPal Payments Pro resolves the problem. But I cannot have customers using credit cards on my website without verifying the correct billing address during checkout.

Does anyone know how to resolve this conflict?

Thank you,

[ILoveHostasaurus]

Re: PayPal Payment Pro Fraud Filters and PayFlow Gateway Error

I'll check with our developers tomorrow but I believe this will not currently work because the Payflow Pro module in Merchant would need to be rewritten to have knowledge of all the various fraud filter status codes. In its current form, it knows 0 is good and anything else is bad, or that might be 1 is good, but in any case, there are quite a few fraud-related status codes that indicate the charge was still processed but it could be fraudulent, and some that mean the charge was not processed, so the module needs to know about every one of those and ideally reflect that in the admin on the ones that are questionable but still allowed through. Once I confirm this is the case, I'll find out if there are plans to add this functionality and what kind of timeline.

[ILoveHostasaurus]

Re: PayPal Payment Pro Fraud Filters and PayFlow Gateway Error

Doesn't look like there are plans to build the Payflow anti-fraud API features in in the short term. PayPal has been changing their product lines around a lot with the Payflow Pro product, Payflow Link, Payments Advanced, etc. and all have different feature sets and it has left some question as to what their long term plans are for which API, which API version and which combination of the two will ultimately apply to which products with regard to the fraud filters. If our developers change the payment modules, the modules have to go through the PA-DSS validation process again, so they are hesitant to start down that path (which is a long one) if PayPal is just going to end up changing things again, dropping a product, etc.

[elcucococo]

Re: PayPal Payment Pro Fraud Filters and PayFlow Gateway Error

Wow, David! Thank you so much for your expert response.

It looks like there is nothing I can do at the moment but roll back all of the updates/configurations I made when switching to PayPal Payments Pro.

What a shame, but I do not fault Miva Merchant for this. I will admit that PayPal Payments Pro, as a service/system, in its current state does seem kinda unfinished and not entirely seamless.

I hope that this thread helps another Miva Merchant store owner know about the precautions to take when upgrading to PayPal Payments Pro. PayPal's sales team is pushing this service hard, but it is not useful if it breaks your store.

Thank you!

[ILoveHostasaurus]

Re: PayPal Payment Pro Fraud Filters and PayFlow Gateway Error

It's all very confusing, I had to brush up on what they're calling each product just to be able to properly ask the developers about the issue since all of their offerings seem to be morphing from one form to another; Payments Pro used to have nothing to do with Payflow Pro but now it kind of does with its ability to send PayPal transactions through to that side of the house and credit card transactions, in some cases, seem to use Payflow Pro behind the scenes, but not always depending on the age of the account, and e-checks are handled differently, etc.

[elcucococo]

Re: PayPal Payment Pro Fraud Filters and PayFlow Gateway Error

David,

I figured out a way around this error.

For anyone else running into this problem, I would suggest enabling all PayPal Manager Pro Fraud Filters except for 'Shipping/Billing Mismatch.' This is the filter that is causing the error stated at the beginning of this thread.

I always manually follow up on 'Shipping/Billing Mismatch' orders anyways, there is no need for PayPal to reject these orders during checkout.

Since all of the other PayPal Payments Pro Fraud Filters are enabled, you get the AVS and CSC transaction verifications during checkout that are necessary to prevent other versions of fraudulent transactions being placed.

I hope this helps someone else who encounters this problem.

Thanks,

[elcucococo]

Re: PayPal Payment Pro Fraud Filters and PayFlow Gateway Error

One last thing I forgot to mention.

If you have an issue with the PayPal Pro Fraud Filters causing a duplicate invoice error on the OPAY screen, I would suggest the following work-around that I found on a Magento thread:

I found out the solution. In paypal there is a ‘Payment Received Preferences’. You click the selection which allows for multiple payments with a single invoice. This solved the problem.

You can read the full thread here:
http://www.magentocommerce.com/boards/viewthread/21455/

[elcucococo]

Re: PayPal Payment Pro Fraud Filters and PayFlow Gateway Error

One last thing for anyone following this thread. Since PayPal Payments Pro prefers to use the PayFlow gateway to handle transactions and also to speak with PayPal.com (which is why I have PayFlow gateway enabled in Miva Merchant), declined transactions during checkout (via AVS or CCV) will still show up on your PayPal.com account. There is no way to clear them via PayPal Manager, as they are not kept for review. Just ignore them when they show up on your PayPal.com account. I have not heard from customers yet about issues with duplicate transactions.

Hope this helps someone in the future! :)

[ILoveHostasaurus]

Re: PayPal Payment Pro Fraud Filters and PayFlow Gateway Error

Thanks Carlos, I'm going to make this information easily accessible internally for our support folks too.

[elcucococo]

Re: PayPal Payment Pro Fraud Filters and PayFlow Gateway Error

Thanks Carlos, I'm going to make this information easily accessible internally for our support folks too.

You're welcome, David. Glad I could contribute something positive to the community (instead of just posting questions). :)