Authorize.Net CIM: Error on checkout: "You cannot add more than 10 payment profiles."

This error means Authorize.Net rejected the transaction because the customer already has 10 credit cards stored on their CIM profile. This is the maximum number Authorize.Net allows. The only way to eliminate the error is to go into the Authorize.Net account and clear out some of those payment profiles for that customer.

This generally occurs under the following scenarios:

1. A customer checks out repeatedly as a guest, with small variations in their billing address. Even though it may be the same card, a new payment profile is created because of those variations. Differing inputs like ‘Street’ vs. ‘St’ or ‘Boulevard’ vs. ‘BLVD’ or even differing capitalization or punctuation will cause a new payment profile to be created. We recommend having the customer create an account as opposed to checking out as a guest. Since they will have a saved billing address, that will make the many profiles error much less likely.
   
   
2. An admin is using one email to place guest orders. Since CIM profiles are recognized by customer ID and email address, that would cause all entered cards to be associated to one CIM profile. Go into Authorize.Net to remove payment profiles related to that guest email, or use distinct email addresses for guest orders to prevent further issues.
   
   
3. A customer legitimately has used 10 different cards to order within the last 120 days. If this occurs, the only option is to remove one or more of that customer’s payment profiles via Authorize.Net.

Note: While there are no true solutions for this situation when using Accept.js, if your checkout supports our new Hosted payment form type we would recommend testing it out and swapping to it as it will not hit the 10 payment profile limit.