Quote:
Originally Posted by The Porn Nerd
Well it's the eternal question, isn't it? Is it the merchant banks, the processers, Visa itself, or just a strange anomaly? Sales do return eventually but when you experience days like you yourself mentioned it IS bizarre. And when you get emails from Epoch warning us about these new Visa CB levels coming it does make one wonder.
Normally I let these dips in sales pass without mention but, like you, this April I saw unusually low activity. Then this weekend (especially Sunday) was deadly, thus this thread.
And for those that say a scrub does not exist they do not know how cc processing works. You CAN increase the fraud barricade, check for exact and correct input fields, etc. Or you can let any moron through, chargebacks be damned! There IS a sliding scale when it comes to fraud protection. So it would make sense, from a processer's perspective, to tighten things up a bit until these new regs go into effect later this year.
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you're exactly correct, there are three parties involved in letting through a transaction. your own barricade, the processor and the client bank
as someone with no middle processor I honestly for April saw no meaningful increase in declines. just lower sales over Easter. 3 1/2 days, that was it. and no spike in declines, just lower sales. Jesus died to prevent people from getting paid for porn.
all I'm offering here is my own personal anecdotal experience of April, am not in any way discounting your own experience or the validity of your issue
for real you need to speak to Epoch and ccbill about this if the issue persists. if you can't you need a new processor who will listen to your feedback and offer solutions if any, or at least explain why they are cracking down even if it is a 'for your ears/eyes only/off the record' type of message
I hope that makes sense. props to you for staying on top of a noticeable change for you. for me it was just Easter, before and after that was normal and has been through May thus far.
if I were you I would make the processors my first step in trying to fix this. for example getting them to whyte-list your recurring subs
getting angry won't get you paid. focus on solutions. breathe deep, contact your partners at ccb and E and work towards solving it
again, sincere good luck