We have a client that is experiencing an unusual number of declines from overseas customers (mostly European), and especially from UK customers. On average they do anywhere from 2000-5000 transactions per month, and apparently they have at least a couple dozen inquiries a week from overseas customers with authorization problems who swear their card should be fine.
Is that affected by the choice of payment processor or is that strictly an issue with the card issuing bank? They are currently using Authorize.Net, but are thinking of switching to Verisign because of Authorize.Net's recent problems. We generally advise clients to use CyberSource and we haven't had any complaints similar to this, but due to the merchant bank restrictions they can't use CyberSource. Would switching to Verisign improve the situation at all? I've already checked the transaction reports, and these are almost always straight up declines, not failures to contact the card issuing bank. Due to the nature of what they sell, they have extremely low rates of fraud and therefore have what I would call very loose AVS restrictions (i.e. they take just about anything in), so I don't think that's the issue. Any thoughts?