My digital tst/development fintech credit cards are not authorised properly to work with any online shopping cart

https://chatgpt.com/share/69111a25-dab4-8000-8929-8d5e16a9da88card_AF_1000_details (1) (1).pdf

The ai development tools are not automatically assigning an issuer/processor and the shopping cart on the external website and google wallet gives a credit test/development card validation error message notification.

The Card issuer/processor is not clearing the transaction, the fintech bank is not debiting the transaction, the seller/supplier is not crediting the transaction amount.

Recommended Chart of Accounts (simplified)

For Fintech bank (card funding / funding source):

1100 Cash at Bank

1200 Customer Card Funding (liability) — amounts the fintech owes to issuers or card balances

2100 Intercompany Payable to Issuer (liability)

4000 Interest / Card Revenue (income) — if applicable

For Card Issuer / Processor:

1000 Settlement Cash (clearing account)

1100 Merchant Settlement Receivable (asset) — amounts owed to merchant

2000 Merchant Payable / Settlement Payable (liability)

3000 Interchange Fees Earned (income)

4000 Network Fees Expense (expense)

5000 Chargebacks & Reversals (expense/reserve)

For Merchant / Supplier:

1000 Cash at Bank (settled amount)

1200 Payments Receivable (if using settlement lag)

4000 Sales Revenue

4400 Payment Processor Fees (expense)

• 5000 Chargeback Expense (expense)