$1000 REWARD! Credit card issues help!

We have been running some credit card submit campaigns in Scandinavia and France. Our transactions have some problems with “issuing bank” from our acquirer. When we open a new GEO the problem disappears within a short period of time. It’s like starting from a fresh when we open a new GEO.

How long we have been live before we got the “issuing bank” problem:
- DK – Live 1-1½ month with a low amount of transactions.
- NO/SE – Live in 1 week with a high amount of transactions.
- FR – Live in 1 week with a high amount of transactions.

Note that not all transactions get this error. About 50% of all transactions get issuing bank problem. It starts slowly with 5% decline rate, but after a few days/week it’s at 30-50% depending on the time frame we’ve been live in the GEO and probably also depends on the volume we process.

But what causes this problem? Why does the issuing bank decline transactions from our company trough our acquirer? Is this only an acquirer problem? How does the issuing bank know the transactions is from our company?

We’ve tried several things as:
- Changing descriptor
- Changing recurring transactions to make all transactions (even recurring) appear as initial orders like a normal webshop.
- Opened new GEO’s
- Changing website
- Changing our server (new IP)

Things that might work, but we haven’t tested yet:
- Same acquirer but another company and another MID.
- Another acquirer (not that easy to find with our business model)

!!!IMPORTANT!!!

If anybody can help us fix this problem, or lead us to fixing this problem we will transfer $1000 USD to you. If you know anything about this problem, please send me a DM and I will add you on Skype or reply this thread with your Skype

Could it be that the leads have been charged back by the users?

AquaticGamer said:

Could it be that the leads have been charged back by the users?

Click to expand...

OP won't be able to reply, it's the HAF section, but i'd say it's highly unlikely when it's happening with 4 different GEOs. And i guess that would show up differently than an issuing bank issue.

Looks like the OP is looking for a solution to this problem.
As this is a very generous offer, keep in mind only members with upgraded accounts are allowed to contact you about this.