Credit Card Decline Management

Posted by Agile Payments on November 22nd, 2020

The decline percentages of credit cards in the subscription space are greater than in the card present space. That’s because the longer a card sits within a given subscription based application; the more likely it is to decline ACH API. Expirations, stolen cards, chip issued cards, and reissued cards for a variety of reasons all lead to declines. To combat credit card declines there are a few tools that you should look for when making your credit card integration.

Card updater network availability. Make sure the payment processor you choose is hooked into the credit card updater network. There’s usually a cost for this network, but the cost is minuscule compared to the amount of time it takes in tracking down customers and getting them to update their card information on file – not to mention opportunity costs and undelivered services or goods.

Look for a processor that can work with you on a card recycling system. Expired cards that decline can many times be brought back to life using a systematic approach. Look for a partner who understands this logic and can assist you in putting something in place. Going back to the first point, also use the ACH modal. Bank checking and savings accounts don’t expire!  View More