Why am I getting a "Make payment base Credit card authorization failed: Pick-up card" response?

This error occurs when the purchaser's bank has prevented the transaction from being authorised and is blocking the card from being charged. It could indicate that the card has been stolen. 

If you suspect that the transaction is fraudulent, you may wish to block the user from transacting on your platform.

For more information on how to manage fraud online, refer to this article.