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The cards in question are valid (we have been able to verify it with another processor that we use which is based in Europe).
Has anyone seen that happen? any ideas?
Admittedly, in these 35% there are some normal declines, but some cards are good for sure (we have several instances of the owner paying with the card on another one of our sites which uses a European-based processor : that's how we know the card is valid)
Another mistery of the banking system I guess. I wish it were not so opaque, but I guess opacity is the way they justify the fees.