Let me add that anyone using a debit card online is an idiot.. For that matter, debit cards in general are stupid..

As David said, the problem is not with Authorize.Net, its with the banks.. They have set up the process so that they accept "no" liability for anything, even when they cause the problem directly..

They are easily the most qualified to authorize transactions since they hold all of the information, yet they refuse to do so.. They leave it up to the merchant to make the merchants take all the risk..

Banks suck..

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Steve : Animal Charms Animal Jewelry | Fishing Blog
I'm smelling a whole lot of if coming off of this plan.