PLEASE NOTE:
The CardPointe HPP now uses reCAPTCHAv3 to authenticate your customer's payment attempts. reCAPTCHAv3 uses enhanced risk analytics to validate the authenticity of your users while they interact with the payment form. As a result of this enhancement, some merchants have reported an increase in incomplete payments due to false positive reCAPTCHA fraud detection.
To avoid decline errors due to reCAPTCHAv3: