This article helps resolve "The card type is not an accepted form of payment" error that occurs when processing credit or debit card transactions in Microsoft Dynamics 365 Commerce.
Symptoms
A card (or gift card) payment fails with the following error message in the point of sale (POS):
The card type is not an accepted form of payment. Use a different payment card and then try again.
You can also see the following error message in the event log:
Card type with id 'Unknown' not found.
Note
The card payment is authorized successfully before you receive the error message. After the error message occurs, the card payment is voided by the payment service.
Cause
The card types configured for the channel's payment method don't match the payment information returned by the payment connector.
Card types are matched by a combination of bin range, card type ID (for example, Credit or Debit), and entry type (Swipe or Manual).
Resolution 1
To solve this issue, make sure the card types are configured correctly for the tender type and channel.
Check the event log on the POS or the POS client log in Microsoft Dynamics Lifecycle Services (LCS) for the following event names to see what card type values are being used.
posPaymentCardTypeFilterByBinRangeIsDebitOrCredit
This event indicates whether the payment processor received the card type as Credit, Debit, or Gift card. If the value isn't as expected, the funding source might not be set or sent correctly.
posPaymentCardTypeFilterByBinRangeIsSwipe
This event indicates whether the user selected to swipe or manually enter the card through the POS. If the card type with a matching bin range doesn't allow a manual entry, but the card was entered through a swipe entry, this could result in no matching card types.
Note
The POS looks for a matching bin range based on the card type returned by the payment processor or connector.
If the card type is "Credit card," the POS looks for all the card types set for the store as "International credit card" and looks for a bin range match within these card types.
If the card type is "Debit card," the POS looks for all the card types set for the store as "International debit card" and matches within these bin ranges.
If the payment connector doesn't set a card type, the POS considers it by default as a credit card and looks for a match within the "International credit card" type.
In Commerce headquarters, navigate to Retail and Commerce > Channel Setup > Payment methods > Card types.
Check if a card brand exists. Add a card brand if it's missing.
Check if the card type (International credit card or International debit card) is correctly assigned to the brand.
Select Card numbers in the toolbar, and ensure that a bin range is set to cover the unaccepted card number.
Note
If a credit or debit card is properly set but you still receive an error, the error can be caused by the payment connector returning the wrong card type ID. For example, the payment connector returns the "Debit card" type, but only the "Credit card" type is set in Commerce headquarters. In this situation, create a card type with the same bin range for both credit and debit cards.
In Commerce headquarters, navigate to the channel or store form that has the issue.
Select Setup > Payment methods and select the payment method used by the cards.
Select Electronic payment setup and add both credit and debit card types to the payment method.
If any changes to Card Types or Payment method was made, run the CDX 1090 job and verify that its status showns as applied.
Resolution 2
To solve this issue, check the fundingSource identifier set in Adyen.
In the Dynamics 365 Payment Connector for Adyen, a card type is set based on the fundingSource identifier in the Adyen authorization response. If the fundingSource identifier isn't set by Adyen in authorization responses, a card type won't be set in the connector. However, the POS defaults to "credit" when looking for bin ranges.
If you have a "missing bin range" issue, but you haven't changed the card type bin range settings recently, the issue might be caused by one of the following reasons:
A recent Adyen firmware upgrade has started sending the fundingSource identifier.
The fundingSource identifier has recently been enabled in the Adyen portal.
The bin range isn't set for that specific card or card type.
In Adyen firmware version 1.42.4 and earlier versions, the fundingSource identifier isn't mandatory, and Adyen used not to send it. In Adyen firmware version 1.44 and later versions, the funding source will be sent back in the authorization response as a mandatory field for a POS terminal, and the property isn't controlled by any configuration in the Adyen portal.
Follow these steps to turn the Funding Source on or off in the Adyen portal:
Sign in to the Adyen portal.
On the top navigation bar, select Account > API URLs > Additional data settings.
Scroll down to find the Funding Source setting, enable or disable it, and then save the changes.
More information
For more information, see Payment methods setup.
Third-party information disclaimer
The third-party products that this article discusses are manufactured by companies that are independent of Microsoft. Microsoft makes no warranty, implied or otherwise, about the performance or reliability of these products.
To solve this issue, make sure the card types are configured correctly for the tender type and channel. Check the event log on the POS or the POS client log in Microsoft Dynamics Lifecycle Services (LCS) for the following event names to see what card type values are being used.
If you come across the message "Your card does not support this type of purchase," while attempting make a purchase, there could be different reasons why you may get this error. Some debit cards require a PIN to be entered. In this case, you will need to use another card to make your purchase.
Your card does not support this type of purchase. If you see this message, it means that your bank is blocking authorization of the card. This can be for many reasons. To resolve this issue, please either: Contact your bank to allow the authorization, or.
"Unsupported Card type" raised when you enter some card type which is not supported by clearing house. Like for your system you have argeed for VISA type cards but in CRM you are provide card of MESTRO type, this error may occur.
Resolution. Unsupported payment methods most often occur when the customer has a credit card that does not allow for recurring purchases. The customer can usually resolve this with their credit card company, but the easiest way to resolve is for the customer to login and add a new payment method.
If you receive an error message stating the card is not supported, that means the card you're adding is not compatible with PayPal. I apologize for the inconvenience; you will need to add a different payment method to make a payment.
Some of the reasons you might see an "Invalid Card" error: The credit card has expired, reached its limit, or is not being authorized as a valid credit card. The credit card is not authorized for Internet transactions or has some other block in place. The credit card has not been activated yet.
This can usually happen if the credit card either does not have enough funds, your credit card is flagging the transactional as fraudulent, or any other number of reasons that your credit card did not process the transaction.
When attempting to make your purchase, especially online or via mobile app, it's easy to incorrectly enter a digit of your credit card number, expiration date or security code. If that's not the issue, maybe your billing address is outdated. These could all be simple explanations for a declined transaction.
Then when a reason such as “Security reason” is attached to the message why the transaction is declined then it can be that there has been a breach on the creditors payment website or the card used the transaction does not seem legit.
It is common for banks not to authorize certain transactions based on their internal policies. When a payment fails, it is likely due to filters the bank applies to certain transactions made online, or amount limitations applied to the card.
This could be due to various restrictions set by the card issuer, such as transactions for certain types of merchants, transactions in foreign countries, or specific transaction types that are not enabled, like online purchases or ATM withdrawals.
If the balance on your bank account is too low, or you get close to or go over your credit card's credit limit, your card may be declined. If your bank or credit union offers alerts to flag fraud on your account, sign up.
Troubleshooting an "Your card does not support this type of purchase" error involves checking if the card is a debit card, has cross-border restrictions or is an HSA or FSA card, then taking the corresponding action if it is.
Credit cards are declined for a wide variety of reasons, such as you've reached your credit limit, you're behind on payments or you have a large pending transaction.
This can usually happen if the credit card either does not have enough funds, your credit card is flagging the transactional as fraudulent, or any other number of reasons that your credit card did not process the transaction.
Either of these errors indicate that you attempted to pay using an invalid card type. Only full-fledged Visa, MasterCard, or American Express credit cards will be accepted by our system. ATM cards, prepaid credit cards, and debit-only cards are not valid forms of payment.
A BC "Declined - Card Brand Not Supported" code means that a particular card brand is either not supported or not configured on your account . PayJunction supports the following card brands: Visa, American Express, MasterCard, Discover, Diners Club, and JCB.
When you get this error message the card number and range cannot be validated as the card range is not on our platform and because of this is not supported and will not allow transactions to be processed.
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