Issues related to expiry date of live card and telling correct CVC number wrong for other live card

[sandip kalal]

Hello Friends;

I want to replace my current payment system with Stripe in PHP website. Currently I am using stripe lib version as 1.18.0 My PHP version is 5.3.8.

To create Stripe Token I am passing credit card number, expiry month and year and CVC number of the card to stripe. I have tested my PHP code in stripe test mode using stripe test public and secret key. I have used the test credit card number that stripe has provided. The stripe payment system has worked perfectly in test mode. 

Now I have switched to Stripe Payment Live Mode using Stripes Live public and secret keys. I have tested my 3 live credit card on Stripe of type Visa, MasterCard and AmericanExpress.

Following my observations and issues that I faced in stripe using it. Please help me on it.

Out of the above three cards Only AmericanExpress cards payment transactions went successful.

1. For MasterCard I got the error for it as "Failed: Your card was declined.". I have read about reasons of declined on stripe site. and tried that card on different days still every time my mastercard was declined by Stripe.

 

2. I tried my visa credit card and I got the error for it as "Failed: Your card's security code is incorrect." In case of Visa credit Card I am 100% sure that I have entered all the credentials (i.e. card number, expiry month / year and CVC) correctly. Then still I surprised that how Stripe is replying with "Failed: Your card's security code is incorrect." error for all the transactions of this card.

3. For AmericanExpress credit card all transactions went successful but I got surprised when I put wrong expiry month and year of past i.e. 01/2015 for AmericanExpress credit card for the generation of token and the token created successfully and stripe has done the transaction successfully using generated token. I was expecting an error that "Invalid expiry month and year" or something else with wrong expiry date from stripe. How this has happened? 

4. I did two successfull transction using American Express card. When I check for the card details on Stripe Dashbord for these two trancations I get two different card expiry month and year i.e. 01/2028 and 05/2028. How could stripe shows two different expiry month and year for same card on Strips dashboard? 

Surprisingly all these above credit cards works perfectly alright on my old online payment system.

Did I miss anything in code because of which I am facing above issues? As I made the coding as it is as following the documentation and examples given on stripe site.

5. I also surprised when I checked my credit card expiry date information on Stripe Dashboard in payment section. Where the expiry date for the cards is mentioned as in the year of 2028 which is completely wrong and not matching with the expiry date mentioned on my all three credit cards respectively.

Note: Please note that I have enabled the "Decline: Charges that fail CVC verification." setting in Stripe Dashboard in Stripe settings.

Please guide me on above issues and let me know why this is happening. Did I miss to do any setting in stripe dashboard or I am missing any code in PHP. I have followed the examples whose links have been given on Documentation page in Example section. The link is as follows https://gist.github.com/boucher/1750375

Please advise.

Thank You!

[Anthony Kong]

Hi all,

I have exactly the same issue as outlined in point 3 - invalid expiry date actually leads to 'invalid security code' error message. Is there any way I can pass a correct error message to customers?

Cheers, Tony 

[Matthew Arkin]

That is the error that comes back from the bank, sometimes they can give misleading info but it's all that's available.

With expirations since the card number doesn't change, it's possible that there was a card issued with that expiration but a different cvc code, but most of the time it's banks being banks

—
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