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Patrick is anything being done between Stripe and your underwriting banks to reduce the amount of declined transactions?

I frequently see ~30% of all transactions declined (customers in USA & Australian Stripe/Bank account) and it's a real pain for them having to constantly call their banks asking for transactions to be whitelisted, which often doesn't change anything.

This then leads to customers asking we don't just accept Paypal.

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That's an abnormally high rate of declines to be seeing. Can you send me an email (john@stripe.com) and I'll look into it?

One change we're making is giving you better insight to which charges Stripe declines on your behalf (because they look fraudulent; you can override this behavior) and which charges are declined by the cardholder bank (you can't override this).

Thanks John, just sent you an email (HN in the subject line).

That would be great to see what the underlying cause or rational behind a declined transaction is.

I was especially surprised by how frequently payments were declined, especially after mandating that a name, address and CVC were required.

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