authorize.net always returns "unspecified error" in Authorize.net Posted March 21, 2008 OK, a final reply in case anyone else runs into this. As it turns out Authorize.net has a settings page for "direct response" that allows you to define your "default field separator" as well as your "field encapsulation character". The code actually accounted for the possibility one's data might be encapsulated with a pipe, but not with any of the other 8 possibilities. Either these are new or they recently changed the default. At least I stumped the best experts. Even when I asked BOTH the software support as well as Authorize.net support using the specific wording "field encapsulation character" no lights came on. So without changing a single line of code, simply login to your authorize.net account, click Settings then direct response and choose the blank line to that it does not use anything to encapsulate your data - or use the pipe which is already accounted for.