Suddenly the application was just returning:
3,1,290,There is one or more missing or invalid required fields.
Why two, large, successful companies like VISA and Authorize.NET can't tell you which fields they want is beyond comprehension.
According to this message thread:
Visa has a mandate in place that allows us to do $0.00 authorizations to test the validity of a card, but in order to do it they require that an address be passed also. Since VISA is the only company that has this policy, the other card types will be unaffected and not experience the same error.Up until recently they only required Card Number, Expiration, and Security Code. I tried using a dummy address like the message thread suggested. This would only work if the Authorize.NET Address Verification Service settings were configured to ignore the address, so in my case we'll likely be updating the code to pass the billing address in since we have it anyway.
Thanks for the notice on this VISA and Authorize.NET! You have to wonder how much time and money changes like this cost all the organizations affected?