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Why did I get result code 23?

Issue
PayPal returned result code 23 - Invalid credit card number.

Causes
This error message has one of the following causes:
  • The submitted credit card number contained a dash, space, or extra digit.
  • The transaction exceeds the maximum allowable dollar amount per transaction set on the account.
  • The credit card is no longer valid.
  • PayPal's Luhn 10/Mod 10 check on the card failed.

Solutions
Here's how to resolve this issue:

Invalid characters being passed
Check the credit card number and re-enter it without dashes or spaces. If the number you entered is correct, the card may be a private label card, such as a store credit card, and can't be authorized.

Maximum dollar amount
Merchants using Paymentech as a processor or merchant bank may limit the maximum dollar amount they can submit. To have this limit adjusted, please contact Paymentech's Merchant Services at 1-603-896-8333.

Credit card is no longer valid
The credit card you're trying to charge has been cancelled or is no longer valid. Ask the cardholder to provide another form of payment.

Failure in Luhn 10/Mod 10 check
PayPal uses the Luhn algorithm or Luhn formula, also known as the "modulus 10" or "mod 10" algorithm to validate identification numbers. It's a simple checksum formula used to validate a variety of account numbers, such as credit card numbers and Canadian Social Insurance Numbers. Most credit cards and many government identification numbers use the algorithm as a simple way to distinguish valid numbers from collections of random digits.

Check that the number you entered matches the number on the credit card.

For help resolving this issue or others, visit PayPal's Contact Customer Service page.
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