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One thing to take into account when you're experiencing slumps in signups is that sometimes the fish just don't bite. Your sites may be firing on all cylinders, traffic and analytics are all normal, content is good, but new users may just be lower. Obviously if this goes on for more than a few days, it's best to start examining the issue from various angles to see what can be done, but otherwise, just keep on working on your projects.
If you are getting increased declines, you may want to look into the issue and take note of the reasons why, but if they're all bank/card issuer related, there isn't much you nor your billing providers can do. Though one suggestion I have is to email (manually or automatically if possible) anyone who does get a decline of any sort to explain why they got it and what actions can be done to amend it (use a different card, ensure card has money in it, etc.).
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