In the event that you encounter a decline payment upon placing the customer over the phone. Here are some few tips how to assist the customer:
Types of Error:
CVV Mismatch - The security code is incorrect.
CVV2 Mismatch - Billing address associated to the card is incorrect.
Expired card - Expiration Date of CC is expired.
Insufficient funds - Lack of funds to cover the payment.
Invalid card number - 16 digits card number is incorrect.
Issuer Declined - Because of Bank restriction (customer might need to approve the charge).
These type of errors can be easily assisted over the phone, if you fix what was error and still declined. Submit a CIF.
Do Not Honor - Possible history of Chargeback
Invalid Merchant Configuration - Error with Merchant Account
Invalid merchant ID - Error with Merchant Account
In-case you encounter these 3 types of error, never try to bill the customer. Just submit a CIF if customer is requesting to bill them or order more.