VT has a bug that can give you false declines.
If you do a fair amount of VT transactions, you probably tab and type.
If you type the expiration year, it will change what you type.
This has caused an abnormal number of declines, and a few upset customers.
Go ahead, try it. Type in "22" in the expiration year and see what is says...
You can select and click (or maybe even down arrow and enter, but I have not tried that) and it will work.
This happened in the latest versions of IE, Chrome and Firefox.
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