hello everyone,
i wanted to get some opinions on what has been happening lately with cards being declined.
i run merchants with 2d payment gateway installed to a ecommerce store.
I make purchases with credit CC through my store. To give a better idea, i open around 5 different merchants under the same company and pass Cc through them until they burn.
im currently working my last merchant and ive never seen this many declines for "Fraudulent charge" decline code 253
and "Do not honor" .
The important part to understand is that my merchant gateway has all fraud filters removed such as AVS, ip check even cvv check. Its the actual bank that stops the transaction from going through.
i dont use checker, i call bank and check card with robot and I know 100% this does not affect the card. I use ips that match location and transaction amounts are $150-$200 .
initially i started with 1 bank and everything was going and one day to another out of 10 valid cards 2-3 pass and the rest flagged. I changed banks and its same issue. I complegelt changed country of the card i am using and 1 passed and the rest were all getting flagged.
i tried different databases from djfferent vendors and they all get flagged so i know its not necessarily airily the database. I bought super clean residential IP and its the same.
what is triggering this? Can it be the name of the business being used and flagged by all banks as untrustworthy? Is it the amount being the same for all transactions? Ive lowered the amounts and it still gives me this.
I experimented with balance checkers of the same bin and it goes through, but as soon as its used on my website its flagged.
i am using wordpress, can a plugin be doing this even though sincr were running fine and no changes were made.
how is the bank flagging me? How can i fix this or is the name of the business on the statement flagged?
its a 2d merchant so can it be that cards are now set up for otp only and will not work with 2d merchant?
i would love to hear some opinions on this. Thank
i wanted to get some opinions on what has been happening lately with cards being declined.
i run merchants with 2d payment gateway installed to a ecommerce store.
I make purchases with credit CC through my store. To give a better idea, i open around 5 different merchants under the same company and pass Cc through them until they burn.
im currently working my last merchant and ive never seen this many declines for "Fraudulent charge" decline code 253
and "Do not honor" .
The important part to understand is that my merchant gateway has all fraud filters removed such as AVS, ip check even cvv check. Its the actual bank that stops the transaction from going through.
i dont use checker, i call bank and check card with robot and I know 100% this does not affect the card. I use ips that match location and transaction amounts are $150-$200 .
initially i started with 1 bank and everything was going and one day to another out of 10 valid cards 2-3 pass and the rest flagged. I changed banks and its same issue. I complegelt changed country of the card i am using and 1 passed and the rest were all getting flagged.
i tried different databases from djfferent vendors and they all get flagged so i know its not necessarily airily the database. I bought super clean residential IP and its the same.
what is triggering this? Can it be the name of the business being used and flagged by all banks as untrustworthy? Is it the amount being the same for all transactions? Ive lowered the amounts and it still gives me this.
I experimented with balance checkers of the same bin and it goes through, but as soon as its used on my website its flagged.
i am using wordpress, can a plugin be doing this even though sincr were running fine and no changes were made.
how is the bank flagging me? How can i fix this or is the name of the business on the statement flagged?
its a 2d merchant so can it be that cards are now set up for otp only and will not work with 2d merchant?
i would love to hear some opinions on this. Thank
