authorize.net AIM and CIM: ActiveMerchant charge attempt returns success when money NOT captured

This is the worst possible outcome, as it can result in a merchant providing service/product when they are not paid for it.

The root cause is authorize.net's API returning "success" for a card charge attempt if the account is in "Card Present" mode (it should be "Card Not Present" for use via the API). This is an easy mistake for new merchants to make.

Steps to reproduce:

have an account in Card Present mode
for AIM just charge a card, or for CIM, store a customer, store a payment profile, then charge the profile
note that the return (see below for CIM example) says resultCode=Ok and code=I00001 (success) and text="Successful."
no money was captured

So, currently, all users of ActiveMerchant (at least those that let other people enter their own authorize.net account) must add protection against this issue.

Desired change:

have ActiveMerchant test for this condition and instead return failure

Below is a raw response for charging a stored CIM profile on a Card Present account: <createCustomerProfileTransactionResponse xmlns:xsi=\"http://www.w3.org/2001/XMLSchema-instance\" xmlns:xsd=\"http://www.w3.org/2001/XMLSchema\" xmlns=\"AnetApi/xml/v1/schema/AnetApiSchema.xsd\">OkI00001Successful.1.0,3,87,Transactions of this market type cannot be processed on this system.,,P,,0,74078B398622E4FBDC0FB5469D7A2054,,,,,,,,,,,,,,,,,,

And the resulting ActiveMerchant::Billing::Response, note that it even provides a (blank) transaction_id field, making it easy to store this field and consider the result a success: => #<ActiveMerchant::Billing::Response:0x0055a0a0b8bd20 @params={"messages"=>{"result_code"=>"Ok", "message"=>{"code"=>"I00001", "text"=>"Successful."}}, "direct_response"=>{"raw"=>"1.0,3,87,Transactions of this market type cannot be processed on this system.,,P,,0,74078B398622E4FBDC0FB5469D7A2054,,,,,,,,,,,,,,,,,,", "response_code"=>"1.0", "response_subcode"=>"3", "response_reason_code"=>"87", "message"=>"Transactions of this market type cannot be processed on this system.", "approval_code"=>"", "avs_response"=>"P", "transaction_id"=>"", "invoice_number"=>"0", "order_description"=>"74078B398622E4FBDC0FB5469D7A2054", "amount"=>nil, "method"=>nil, "transaction_type"=>nil, "customer_id"=>nil, "first_name"=>nil, "last_name"=>nil, "company"=>nil, "address"=>nil, "city"=>nil, "state"=>nil, "zip_code"=>nil, "country"=>nil, "phone"=>nil, "fax"=>nil, "email_address"=>nil, "ship_to_first_name"=>nil, "ship_to_last_name"=>nil, "ship_to_company"=>nil, "ship_to_address"=>nil, "ship_to_city"=>nil, "ship_to_state"=>nil, "ship_to_zip_code"=>nil, "ship_to_country"=>nil, "tax"=>nil, "duty"=>nil, "freight"=>nil, "tax_exempt"=>nil, "purchase_order_number"=>nil, "md5_hash"=>nil, "card_code"=>nil, "cardholder_authentication_verification_response"=>nil, "account_number"=>"", "card_type"=>"", "split_tender_id"=>"", "requested_amount"=>"", "balance_on_card"=>""}}, @message="Successful.", @success=true, @test=false, @authorization="", @fraud_review=nil, @error_code=nil, @emv_authorization=nil, @avs_result={"code"=>nil, "message"=>nil, "street_match"=>nil, "postal_match"=>nil}, @cvv_result={"code"=>nil, "message"=>nil}>

activemerchant / active_merchant

authorize.net AIM and CIM: ActiveMerchant charge attempt returns success when money NOT captured #3140