Rank: Member
Joined: 7/14/2004(UTC)
Posts: 254
|
Recently, we've had a few transactions declined by the Customers bank, basically sending a response code of 05 - Do Not Honor. This is not a BV issue or bug or a problem with our gateway so far as I can see. The scenario is a legitimate customer with a valid card and available funds places an order which shows up as Charge Success-Transaction Approved-Normal in BVAdmin. When we check this at our bank via an online service to our paymwnt gateway transactions, the response code is 05 and the transaction is declined. One US customer was called by their bank saying that they declined only on the basis of the merchant location (Australia) and amount (~$1500 USD) and that if we (as the merchant) resubmitted they'd let it go through. Any thoughts or experience as to how to manage or minimise this issue? Thanks JP Edited by user Friday, September 2, 2016 8:47:59 AM(UTC)
| Reason: Not specified
|
|
|
|
|
|
Rank: Member
Joined: 6/6/2005(UTC)
Posts: 483
|
Well I suppose you could lower your prices!!!
We as a customer had problems with our bank. They have a maximum of $2500 per day on the use of our Debit card. We would order from Dell and they would charge the card after they built the computer (up to 2 weeks later). When they finally get around to charging the card we were of course over limit. Dell would then cancel the order and not even bother letting us know.
We as the customer got around it by getting another credit card with a much larger limit (we still like our bank). What Dell could have done and you might want to do is offer EFT on orders > $xxx. Take the money directly out of their checking account and avoid the Credit Card fees.
Bob Noble
|
|
|
|
|
|
Rank: Member
Joined: 7/14/2004(UTC)
Posts: 254
|
Thanks for the comments Bob, we've had further feedback and it seems it's just random and based on the customer's card issuing bank policies mainly related to overseas orders.
It happens rarely and the "fix" is to ask the customer to preadvise their bank of the intended transaction and then re-order. We are considering offering alternate payment methods as you suggest.
JP
|
|
|
|
|
|
Forum Jump
You cannot post new topics in this forum.
You cannot reply to topics in this forum.
You cannot delete your posts in this forum.
You cannot edit your posts in this forum.
You cannot create polls in this forum.
You cannot vote in polls in this forum.