For a week or so now, I've seen a huge increase in declined orders and therefore, found a forum post from Nuriel and implemented the suggestion and I have even more declines. This is what I'm seeing in Admin on the declined orders:

CVV Response: Unavailable
AVS Street Response: Unavailable
AVS Postal Code Response: Unavailable

The original error stated billing address didn't match but now (after implementing the above from Nuriel), I'm seeing MC_UnknownError.

WHAT IS GOING ON and how do I resolve? It appears all my orders are now declining.

Okay, of the last 2 that declined, one tried again with Paypal and it passed (obviously). The other customer tried the same card and address and it successfully completed and this time I see this:

CVV Response: Unavailable
AVS Street Response: Match
AVS Postal Code Response: Match

Is something going on with the integration to our gateways?

FYI: At the first of the month, I implemented the following on my gateway per a document I was referred to by NS when I signed up for a new merchant account to use for a new store that is not yet up and running.

Could these settings be the reason I'm seeing more declined orders that I ever have? Should I remove the settings advised in this document?

Network Solutions Merchant Account Optimal Settings

Orders 11359, 360, and 361 appeared to be an error with ePay. This was reported on other sites as well and only lasted a short period, but appears to be working fine now. This would explain why the PayPal order went through.

As for other declines today, orders 11353, 354, 355 were all AVS failures - no Zip match and no Address match.

As for an increase in declined orders after adjusting your settings, I am not familiar with the ePay settings or document you refer, so I could not say for sure if that is due to your settings or not. In looking at the declines over the past couple of weeks, most look like customers entering wrong information, and then correcting it.

HTH,
John