Why can't I schedule a recurring transaction for a future date if a customer's credit card transaction comes back declined today?

When scheduling a recurring transaction to run in the future, our system will run a $1.00 test transaction to ensure the card is valid.  The test transaction will automatically "drop off" the customer's card, and the customer will not incur this charge. 

PayJunction will not allow you to schedule a recurring transaction for a card that does not pass a $1.00 authorization charge today.  Research shows that a card declined today will likely be declined in the future.  This is for the merchant's protection.