Quote:
Originally Posted by MetaMan
To answer your question in short. No location should not matter unless your biller is terrible. If someone from the UK is purchasing on a USA website and all fraud checks are passed there should be no reason you will see a large increase in denials.
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I entirely disagree with this statement.
The location does matter, but not the one of your payment processor but the one of the acquiring bank they are using.
If the acquiring bank is in the USA and your customer (cardholder) has a bank (issuing bank) in the UK for example, the payment can be rejected due to that location issue.
There are 3 zones for online payments that are determined by the distance between the acquiring bank and the issuing bank.
- local zone: same country
- intra zone: same continent (EU zone for example)
- inter zone: international
The issuing bank sets a daily and a monthly limit for the cardholder. The limit is higher for "local" payments, then lower for "intra" payments and finally even lower for "inter" payments.
Therefore, if your customer has already spent (in a day or current month) a certain amount online in the inter zone there is a chance that their limit will not allow them to pay on your website if your acquiring bank is not in their local or intra zone.
On top of this, there is the currency issue. You do not want to bill your EU customers in Dollars and vice-versa.
If you need more information I will be happy to explain it further.
Max
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