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You can send declines to any html page you designate -- what I would suggest is having a decline page with some more options on it -- since some people do only have one cc, why send them straight to a cc secondary, thats only frustrating them.
I'd have checks as the first option, second cc as the next one, then a dialer, paypal or other type of billing as the third one.
If they can't pay with four tries, you dont need them.
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