Card tokenization data is missing
Plan, traffic-package, or reseller top-up checkout POSTed without Authorize.net token/opaque card data (balanceTopUp.cardTokenMissing / 400).
Why this happens
Client submitted before Accept.js finished, form bug, or blocked script so no descriptor/value was attached. Server refuses to charge raw PANs.
Diagnose and fix
1. Wait for the card form to finish loading; submit again.
2. Allow Authorize.net scripts; hard refresh.
3. If verify fails in the browser first, fix Card could not be verified before retrying the API.
4. Admin: confirm Accept.js / public keys under Authorize.net.