jwolthuis - 1:41 am on Aug 12, 2013 (gmt 0)
My question is, do we seek compensation?
If your customers are able to seek compensation *from you* for delayed order fulfillment, then you have a legitimate complaint, and can seek compensation from your payment gateway.
On the other hand, if your business rules prevented orders from being placed due to the gateway being down, shame on you. Modify your workflow to accept orders in a "pending" state. When the gateway is available, process them.
We've all had a card get declined for no good reason. Modern eCommerce sites accept *all* orders to provide the best UX. An "accepted order" is different than an order that is "approved for shipment".
If you limit your orders to just those that Auth.Net approves *that instant*, you're turning away business, and you have no one to blame except yourself.