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SwirlsGirl · 06-14-2011, 08:02 AM

Greetings friends, if there is anyone using Zombaio for processing please let me know if you have been getting sets of triple denials from customers. The reason I ask is this..

1. I have noticed for the past month and a half 90% of my declines with Zombaio are customers submitting there cards multiple times. Many have submitted there cards 3 times and each denial was listed as "authorization system decline"

Now this is curious because today I have someone who was declined twice with authorization decline, and he submitted the 3rd time and got an approval!

So my general question is why would people knowingly submit multiple times if there were no funds on the card. Obviously many people are under the impression that their credit card is valid and funded or they would not be submitting 3-4 times.

Should I place a note on the join page telling customers to keep submitting repeatedly until they get in?

As it stands I am beginning to wonder if many of the denials I see on multiple processors are actually "VALID DENIALS"

You might be asking what the hell is a "valid denial" and why would a billing company NOT approve a valid card....when you don't make money they don't make money...at least you would think.

But if I am having people get approved after being denied 2-3 times maybe I should encourage people to just keep submitting there cards. It is disenchanting to start seeing your denial transactions exceed your approved transactions

I guess I am curious about what constitutes an "authorization system decline" and is there a chance that this decline feature makes mistakes and declines good cards?

06-14-2011, 08:02 AM
SwirlsGirl So Fucking Banned Join Date: Feb 2006 Location: between east coast and vegas Posts: 2,067	Zombaio Decline question Greetings friends, if there is anyone using Zombaio for processing please let me know if you have been getting sets of triple denials from customers. The reason I ask is this.. 1. I have noticed for the past month and a half 90% of my declines with Zombaio are customers submitting there cards multiple times. Many have submitted there cards 3 times and each denial was listed as "authorization system decline" Now this is curious because today I have someone who was declined twice with authorization decline, and he submitted the 3rd time and got an approval! So my general question is why would people knowingly submit multiple times if there were no funds on the card. Obviously many people are under the impression that their credit card is valid and funded or they would not be submitting 3-4 times. Should I place a note on the join page telling customers to keep submitting repeatedly until they get in? As it stands I am beginning to wonder if many of the denials I see on multiple processors are actually "VALID DENIALS" You might be asking what the hell is a "valid denial" and why would a billing company NOT approve a valid card....when you don't make money they don't make money...at least you would think. But if I am having people get approved after being denied 2-3 times maybe I should encourage people to just keep submitting there cards. It is disenchanting to start seeing your denial transactions exceed your approved transactions I guess I am curious about what constitutes an "authorization system decline" and is there a chance that this decline feature makes mistakes and declines good cards? Last edited by SwirlsGirl; 06-14-2011 at 08:05 AM..