Merchant not participating
The most common reason for ‘Merchant not participaing’ is when testing your acquirer agreement through QuickPay Manager. In most cases the error is because of problems with Mastercard and 3-D Secure.
In general you get the error because one of the following:
1) The agreement has not been enrolled by Mastercard
It is due to the Mastercard agreement not being active in the 3-D register, as it has to be manually enrolled. Typically it takes 48 hours for the enrollment to be active. If the error persists beyond this point, you will need to contact your acquirer, and have them re-enroll the agreement.
2) For acquiring agreements through Nets: Business no. and Internatial business no. are the same
The ‘Terminal operator business number’ and ‘International business number’ are always two different credentials. If an international business number has not been included in the information you received from Nets, you should contact Nets to retreive this.
3) Swedish or Norwegian agreements
If the acquirer agreement with Nets are made with a Swedish or Norwegian company, you will need to update the Visa and Mastercard BINS in the QuickPay Manager.
You can do this in Settings > Acquirers > Teller > Advanced Settings
Swedish company: Mastercard bin: 540710 / Visa bin: 465759
Norwegian company: Mastercard bin: 543494 / Visa bin: 445639
Contact QuickPay Support