Originally Posted by andrej_NDC

20% can be seen in the stats, thats not real declines. For example out of 10 declines can be 8 for 1 person and trying him again and again. So its not 10, but 3 declines then. Most people ignore this fact when checking the declines statistic.

Second, many people are accepted at their second try, so even though the surfers signs-up, you see a decline(first attempt) in the stats. Is this a real decline? No.

Third, most of the other declines are people who charged back before or don't have enough money on their bank account.

So seeing 20% declines in stats can be 5% real declines, maybe even less.