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23.2. Declined International Transactions
If you or your international guests are having trouble processing international transactions either online or through the backend, here is what you need to know. Arctic supports international transactions and is capable of accepting international addresses and phone numbers. Arctic also provides your payment gateway with all of the information needed to verify the card information. If you are having problems processing international payments, most likely the issue lies with your payment gatway's fraud protection settings. By default, most gateway fraud protection settings are set to reject transactions where the address and zip code cannot be verified.
Even if you and your guest are sure that the information was entered correctly, the card can still come back as declined for being unverifiable. The issue is that certain international countries or regions like Germany and Australia, for instance, don't allow or support address verification. Even though most gateways can work with some international countries or regions without any issues, there is just nothing to do for the countries that, either for legal reasons (consumer protection) or technological reasons (different credit card infrastructure), can not validate addresses. If your gateway is set to have address verification as a requirement for your fraud protection settings, the unverifiable addresses will be declined every time.
To fix this issue, you should contact your payment gateway provider and discuss changing your fraud protection settings to allow for transactions where the address doesn't match or can't be verified. You may be able to negotiate a little higher rate for those instances where this happens, as is the case with some international transactions, and a lower rate for the instances where they are able to successfully verify the address for the card being used. Once you have your fraud protection settings adjusted with your payment gateway provider, your international transactions should not be declined.