Internal System Release Notes February 12th 2026

To help strengthen security measures, we have implemented a credit card verification throttle. This applies to all clients integrated with CardPointe who require credit card verification—whether that is on the first bid only or on every bid.

With this update, if a bidder attempts to enter a credit card for verification and fails TWO times (for example, due to an incorrect CVV, an incorrect expiration/card #, a mismatch between the postal code address on their bidder profile and the address on file with their bank (IE Allen Olson), etc.), they will receive the following error message:

“Card validation failed: Throttled, please wait 1 minute and retry.”

The bidder will continue to see this message until the credit card information is entered correctly.

If a bidder calls asking what this message means, navigate to the appropriate client’s CardPointe page. From there, select the Reporting tab and click on the applicable bidder’s transaction ID from the Transactions tab. Scroll down to view the details explaining why the card was declined. For example, the decline may indicate that the CVV was entered incorrectly.

Although the throttle only requires a one-minute wait before retrying, if a bidder contacts you and would like to attempt their card again before the minute has passed, you can manually remove the restriction. To do this, navigate to the bidder’s profile. In the upper right-hand corner under "Billing Payment Card", you will see a notice that says “Validation throttled [insert date].” Below that, click the blue hyperlink labeled “Remove throttling.” This will bypass the one-minute wait period and allow the bidder to retry their card immediately.