Deep Dish,
If you think you are having excessive denials I don't know why you wouldn't inquire with someone at Paycom.
If every credit card in the world was legit and there was no such thing as fraud then you wouldn't need to worry about ratios and would have no need for an IPSP. You pay an IPSP to handle those concerns for you.
There are any number of reasons why a card might be declined. We can look at your denials and see if there are any patterns to your traffic, but you must remember that there is no advantage for Paycom or any other IPSP to decline a transaction except to protect you and everyone else's business. A declined transaction still costs money and doesn't make any.
--Rand
