rudireager

Hi

We are having allot of declined re-bills, we have 3 processors on our cascading:

1. Netbilling / Paygea - own merchant
2. Commercegate
3 Epoch

Now epoch is the most expensive and people can cancel on epoch instead on ours so we have less control/understanding on what goes on there, we have it as 3rd Cascader, Netbilling is our own merchant account with more control on the emails/cancellations and so on, so we prefer using it, we also pay much less then epoch.

Commercegate is a 3rd party processing the same like epoch but with a much better rate.

Here is what the stats say:

there was a period that we used Epoch as first cascader, looking back over the stats its showing the most re-bills compared to the other two.

Why I am worried:

We own other online business that we actually speak to the customers and allot of the customers say they spoke to the banks and the reason for the declines are that the transaction is international and the bank automatically denies it.

So its making me think.... Is Netbilling and Commercegate (which I know for sure dont use American banks to process the money) are getting us more declines because the customers banks see international banks?

Has anyone has any experience with this?

Much appreciated

__________________
Rudi Reager
Managing Director
www.sexandcash.com
ICQ: 387095367