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But if it is a fraud attempt, these messages may give away too many clues, and help those who are making fraudulent transactions.
However, in majority of the cases, the customer is trying a legitimate transaction and is simply confused as to why the credit card was declined.
Where is the balance between the desire to inform the customer to increase sales vs working to prevent fraud and chargebacks?
If you just tell him to call the bank, he's likely to give up and forget about it. Getting on the phone and waiting x minutes to speak with a bank representative isn't that enticing... especially if it was one of those spontaneous impulsive buys. I bring this up because I'm certain alot of sales are lost because of non-specific "your credit card has been declined, call the bank" messages.
We ask the customer to call their bank and then call us back
Yeah, like I, as a consumer, would call the BankAmerica voicemail system about a $30 online purchase! I might try another site. In most cases I'd just lose interest in buying the stuff. Not many ecommerce products are necessities.