Payment Processing Error:
Invalid Merchant ID
Payment processing errors have been causing frustrations and headaches for business owners since the invention of the credit card. Let’s talk about a popular one: “Invalid Merchant ID”
Unfortunately, many issues with processing, like declines, are controlled by the customer’s card-issuing bank. Business owners have little control over the situation when this is the case. In fact, if your customer’s card has been declined (for many different reasons) you should always suggest they contact the 1-800 number listed on the back of their card. The reasons could include an expired card, incorrect card number, AVS (or location based) restrictions, insufficient funds in the account or over a certain credit limit, or the card could simply be blocked as suspected fraud.
Occasionally, there are processing error codes that you CAN control as a business owner! Good news! “INVALID MERCHANT ID” is one of these processing codes. When your terminal or gateway reads “invalid merchant id” there is likely a configuration error in which the merchant login ID is invalid or the account is inactive. Read on for potential causes for this error and the corresponding solutions. If you’re getting this error and can’t figure out what it means, chances are you need a better merchant service provider. Give Durango a call!
Now… let’s talk about the details…