Hello Douglas,

The failure to vault the card # was a false alarm. The security code was incorrect and the customer corrected it today and his card was successfully charged. Their rejection notice was unusual for security code error.

We have American customers who have signed up for additional security and request an SMS message be sent to them for approval. In England this will be a requirement soon and it looks like it is on the way in the EU also. I can't find much info on Australia.

Rick