This is driving me up the wall.... the cc validation causes so much trouble and so many peoples orders to be declined. Is there a way i can just have a simple form where the user can click a drop down bar and select there card type, and then enter there card details to be passed along with the order for them to be manually validated ??
Who are you using for validation? Try either secpay if you have a merchant bank account or Google checkout if you don't.