Steven P

[tardy cargo]

So with declines, we just return what the bank gives us

It's possible that insufficient_funds isn't the actual issue

The customers would need to reach out to their banks to find out the real issue

[formal tulip]

Many of the cards are prepaid cards which are having insufficient_funds as the reason for it being rejected. Is this a common issue?

We dont have great channels to communicate with customers to have them troubleshoot the error the bank is providing

Its a sort of mass market product etc

[tardy cargo]

Declines are a tricky issue since each bank is different. Prepaid cards are especially tricky since some have restrictions on online payments.

But if a decline happens you can either instruct your customer to try a different card via your ui or contact their bank

[formal tulip]

what would this mean? No descriptor really just its declined

[tardy cargo]

Yeah they'd need to contact their bank

We only get limited info

Banks decline for all kinds of reasons

[formal tulip]

is there something that can be done on our end to make the banks less likely to decline our charges?

we're getting an insane amount of card failures atm - way above industry standard (20% in US based tx)

at 47% card failures

also is this actually a prepaid card?

[tardy cargo]

Not sure. We're not really an expert on declines in here. We just help developers with api integrations

Recommend reading https://stripe.com/docs/declines though