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Ethoca comments on the false declines spiral, in Bobsguide

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Ethoca comments on the false declines spiral, in Bobsguide

What do card issuing banks and eCommerce merchants share in common? The ever-growing burden of card-not-present fraud.

Both sides respond with sophisticated arsenals of multi-layered fraud tools that aim to reduce losses, prevent damage to the customer relationship and control operational expenses. However, when turning down transactions banks often provide merchants with extremely vague “Do Not Honour” instructions. These are intended to protect customer privacy when attributed to insufficient funds or over limit scenarios, but also mask a huge problem: false declines.

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