Quote:
Originally Posted by kcladyz
Its not amazon its the bank card that declined your charge
|
Quote:
Originally Posted by Bertolt
That is very unlikely, since they paid everything else that I bought with the card during this month and I use the card a lot. It appears that many other people have had similar problems too.
|
It is always the issuer of your card that approves or declines the sale. When your card is physically inserted or swiped into a charge machine or entered into the correct fields on a web page, it is not the company you are buying from that approves or declines the sale. If that was the case retailers would never decline a sale. A retailer can ask for an override in certain situations, but if it is a fraudulent sale the merchant is responsible for the loss. If the merchant follows all of the required steps in accepting a charge sale, and it is fraudulent, then the card issuer takes the loss. I was a merchant for 30 years. How would I ever know whether to decline a sale or not. Merchants are not allowed access to any personal or financial information of any card holder. It is illegal and against the rules of your merchant agreement. Unless you are the cardholder merchant services will not give you any reason for declining a sale. So kcladyz is correct in his statement.
Apache