High Amount of CC Declines

Hovering around 15%

[bears5122]

Taking over a new client and noticed that they are getting around a 15% decline on their credit card transactions that they are processing. Some have come back as fraud, while some have been declined for not enough money, etc.

The product is higher tags than most and typical sales range from $300-$1500.

Now is this just the nature of selling higher priced items? Or is this something that should be looked into further. They have very tight fraud filters in place that will put orders on hold for people using free e-mail addresses (they then call to verify).

[jsinger]

We get almost no declines but we process sales thru our brick/mortar store system. Average sale is much smaller. No overseas sales allowed.

Most declines occur when customer messes up his card/exp info.

[Corey Bryant]

It depends on what gateway you are using & what is being used to decline. For example, authorizenet.com has the ability to set up that if the AVS does not match, then the gateway will decline. LinkPoint has the shopping cart make that determination right now.

-Corey

[lgn1]

We use Global Payments and we do an authorize only at the time of checkout, and put the actual charge thru at the time of shipment.

We can see the failed authorizations, and most of the time, failed transactions are due to transposing credit card digits. Only about 1% are due to maxed out cards. Our sales are generally in the $80 to 100
range.

[helpless]

another thing is sometimes with high value items sometimes the credit card company sees a large out of the ordinary purchase and flags the customers purchase for precaution just have the customer call the bank and let them know that they are aware of the purchase