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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).

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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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