Quote:
Originally Posted by Easton
transactions from my BankOne/Chase card into ePassporte... and it seems i'm not the only one with this problem
can we assume that ePassporte will be working with the banks affected to rectifiy the loading issue?
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Yes. I would like to start with your card. Please email me at
[email protected] with the first 12 digits of your card that was declined and your telephone number. I will have the logs pulled for your attempts and work through that with the bank in the morning. Anyone else that has been declined for the same reasons as Easton, please do the same.
We want every bank in the world to accept our load transactions, all the time. I would guess that 99.5% of the cards out there will go through. When anyone finds these banks declining us, please email me. It will help ePassporte and you as a cardholder. And for the record, we have extremely low fraud on our card, our Risk Team is great. But some banks have had issues with their data, cardholders or us for a variety of reasons. However, after millions and millions of loads, we are solid, well thought of as a Visa product and safe. So when a bank declines us, we need to know specifics to fix that bank's problems.
The part that confuses me here is that most of these large banks use one processing center with one set of rules. Usually a decline is card specific, or BIN (the first 6 digits of your card is the BIN) specific only when the cardholder has had problems (with the bank or the bank with their cardholder) or if the bank's data on that BIN has been the subject of inquiry by their Risk department.
I am sorry if my post "Bullshit" was too harsh. However, I was reacting to the post, which stated as fact that 2 of the largest banks in the USA were blocking ePassporte. I stand behind the post as an answer, yet I regret the use of the term.
Hopefully when posting here we could all be more clear in stating things. After all, we are all in an Industry that has to stick together. It has always been like that, but now, more than ever, we have to be a "community" and these forums are really designed to help each other, not trash each other. I for one will keep that in mind during my posts.
Easton, if it is OK with you I will post the results of our investigation on this issue related to your card. LMK in the email please.
C