New Credit Card Processing
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But I am convinced that the majority of problems I am having with US cards is that the customers credit card company is imposing the ban. Typically when it happens, I will contact the customer and tell them to get the ban lifted. Once they do this, then they can make the purchase. It's nothing to do my credit card processor (is it?).
I am pretty sure as 501/IH stated that it has to do with the algorithms that the CC companies implement. Also, depending on the CC users tendencies, travel outside the US, credit limit, etc I think that the ban can vary. But what the hell do I know.
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Strongly agree with jacoavlu. I often wish more customers that I serve in my job were behaving like this (though obviously I can't tell them that…), it's the only language corporations understand.
Giles and Lando: it is so, the probs usually arise on the customer processing end. In shop purchases, it is also often the cashiers who f*** up, they are simply too ignorant or lazy to bother with a proper verification (i.e. calling THEIR service provider and checking the customers ID) and then the card often gets blocked.
But this obviously does not apply to an online shop.
So I strongly second what has been said here before: complain if your card does not work when it should, give them a chance to sort it, but if they repeatedly fail, take your business elsewhere.
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Shoque is coding a piece of intervention code. When we get a suspected "We're denying transaction this because we don't like you buying outside of your home country, you unpatriotic bastard" error message from a purchasers credit card company, we will put the following up on the screen:
"We are sorry that your credit card transaction failed, unfortunately this is completely beyond our control. The most likely cause, if you are outside the UK, is that your card is not approved for international payments and you will need to contact your credit card provider to get this changed."
It is not a perfect solution, but better than we had…..
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Will you accept American Express now or no?
Looking like we will have "proper" Amex processing shortly…..
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Only through the PayPal route atm:
http://www.ironheart.co.uk/forum/index.php?topic=2961.msg150779#msg150779
I could get it up and running for GBP today, but I need it for all 3 currencies and that is more complicated.
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Anyone still having problems with international payments? I tried to use a Lloyds Visa Debit card during the sale and it got rejected (twice). I don't know if it might have had something to do with trying to order from Australia with a UK card? I figure I will have to contact the bank but thought I'd ask here first.
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There is no logic, nor is there a standard answer. Different CC companies treat their customers differently in different geographies and at different times if the year. Typically at this (busy) time of the year, the CC providers will unilaterally and with no warning to the CC holder, increase the security they impose. There is nothing that we can do about it from here it is something that the CC holder has to resolve with CC provider, we do not even see the transaction, so it is failing before it gets to us.
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Yeah I figured it'd be the bank being over the top, that's what I get for waiting until the last minute in the sale I guess
Snowy: Thanks mate for the kind offer but I'll talk to Lloyds and get it sorted for next time. I was just bummed to miss out on the sale since I had money sitting burning a hole in my English account.
Cheers,
Matt
