If the average reseller could see how many of their potential signups were lost due to bank declines they would sit down and cry for an hour.
This holds true across all processors, or even with your own merchant account.
Its caused mostly by our pricing strategies. Say you offer a $2.95 trial with a $29.95 rebill (very common) Joe Surfer KNOWS his card will clear for $2.95, and in his mind that's all he's spending today. But the processor runs a pre-auth on the card for the whole $30, to reserve the funds on the card so they can be rebilled in 3 days.
If Joe Surfer doesn't have the whole $30 available, he gets declined by the bank, and it doesn't matter who processes your transactions.
On another note, why do people insist on getting into dick measuring contests with KK? You already know hers is bigger than yours
