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It usually means you are one number off or check the expiration date. Or there could be one number missing! Can you tell this has happened to me a lot!! I would check those things first and then call the customer.
I'm so very glad you posted this.. its happening to me as of last night and still no call back from the customer. I will call her again to double check the #s but I typed it in at least 10x and still invalid. At this point I wish I would've had them write their # down so that if its a mistake it doesnt make me look bad lol KWIM?
I know that one. I usually do end up calling. I have this minor problem called "screwing up" when I write them down, if they didn't. I just love to transpose numbers! It has actually become a joke to my regulars who use their credit cards all the time. They know I will be calling them back eventually.