Question

I've setup a new instance of our development server on localhost, checked out the latest working copy, and was given a copy of a database backup to use with it. After getting all of this setup and working, I went through a demo transaction to make sure my checkout was working after reverting to the working copy.

It looks as though the checkout is actually trying to process my transaction on the development server now though, as it's declining the card with:

Error Code: 10544: Please use another payment card

I've set the System->Configuration->Payment Methods->Authorize.Net->Test to yes, but it's still trying to process my card it seems.

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Solution

Each payment gateway vendor has their own approach to facilitate test transactions. In the current case. IIRC Authorize.net has settings at both the external (i.e. originating or Magento) end and the internal (the actual Authorize.net account) end. There are also credit card numbers and amounts which may trigger specific responses from the gateway. Additionally, there is the Luhn check which is often performed client-side to validate the account number, so gateway test cards will have to meet these criteria as well

A test card which can be used for Authorize.net is Visa 4111111111111111 with any CCV and an expiry in the future.

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