I'm curious about the experience of others on this. I have a recurring monthly membership and my members are automatically rebilled through authorize.net. I calculated and over the past month, 40% of my recurring billings have been declined by the customer's bank through authorize.net. My customers are a very diverse group, worldwide, so that may have something to do with it. But they all were approved initially. There are never any reasons (i.e. zip not matching, etc.), I've called authorize.net about it and they say it's just a declined credit card. Just wondering what % of recurring declines other people have experienced and if anyone has any thoughts or tips on this.
I have had the same problem and the cc companies do not give any specific information why the billing was declined. I would say 40% is close to what I often have on failed recurring billing. The first payment is just a $1.00 charge though, which starts a trial period. I set that up so I could verify they are starting with an actual credit card. After 30 days they start getting billed $100.00 a month and I think this trips a higher level of verification check on the payment and whether or not the user has authorized the card to be paying that amount. I would say easily 40% of those would then not go through come back with reason code "2", or "3". Which seems to just mean "declined payment". Let me know if you find out more about this, because I would like to have a much higher successful rebilling rate as well. Authorize.net is not the company to talk with, you would have to get ahold of the cc companies themselves to find out the reason and I don't know how much info they log, other than the basic error codes.