From the Authorize.Net documentation about error code 87:
Response Reason Code: 87
Response Reason Text: Transactions of this market type cannot be
processed on this system.
Notes: The server is not configured to process the product type
derived from the market type of this transaction.
This can happen for four reasons:
You are attempting to process a type of transaction that your account
is not designed to process. For example, you attempt to use a card
swipe machine with an account that is enabled for Card Not Present
transactions.
Your software integration is passing an incorrect value
for the field x_market_type. If you are using a Retail account,
x_market_type should be set to a value of "2". The integration guide
for Card Present transactions can be found at
http://www.authorize.net/support/CP_guide.pdf.
Your Merchant Service
Provider may be incorrectly set up for this account.
The product type
(SIC code) is incorrect for this account.
It is recommended to check
the posting URL that is being used for your integration. Please
consult the guide for the integration method you are using to verify
the correct posting URL.
To help troubleshoot this issue, you can confirm the Product Type for
your account using the following steps:
- Log in to your account at https://account.authorize.net.
- Click Account from the main toolbar.
- Click Merchant Profile.
- Refer to the Product Type listed under Business Information.