Instabill serves e-commerce and MOTO merchants from different time zones worldwide and we understand that you may experience credit card processing problems during hours we are not in the office. For this reason, our tech support experts have created this guide to help you understand some of the most common credit card processing problems.
Sometimes, something can occur with your acquiring bank that may delay or halt credit card processing on your account. A common situation is when fraudulent transactions are detected. Your acquiring bank will automatically reject the payment, and may launch protocols to protect your account if the fraud is severe. Other reasons for credit card processing problems include:
If you think something may be wrong with your merchant account or overall credit card processing capabilities, a good place to start is with your acquiring bank. One solution is to obtain multiple merchant accounts, so you have money coming in if one happens to run into some processing problems.
Click on each section to expand and learn about other common processing problems.
You may notice discrepancies in your transaction data and attribute it to processing problems, however, it could very well be that a customer’s credit card issuing bank declined a transaction they tried to make. Issuing banks can decline transactions for any number of reasons, including:
The payment gateway is a valuable tool that’s necessary to credit card processing for every online business. These gateways are designed to facilitate hundreds or thousands of transactions per day, and because of this, issues can sometimes arise.
The tech support team at Instabill works hard to keep every client’s payment gateway operating smoothly. However, gateways are subject to bugs, glitches and other technical issues that can affect payment processing. If you notice an issue with your payment gateway, contact a member of the Instabill team immediately so we can identify the problem and solve it in a timely manner.
The Instabill team is here to answer your questions and to address any problems you may encounter through your merchant account. For more help with your merchant account and credit card processing problems, contact us online or call us toll-free at 1-800-318-2713. If you contact Instabill after office hours, please leave a detailed explanation about your problem and we will return your email or voicemail as soon as possible.