My wild guess: Is everyone now just using apps for every single little thing? So now using the mobile site is considered “fraud behavior” and using apps is “normal”? Like is this what their “fraud detection system” do now?
Like the same card works when you order it at the counter in store… why did the site reject it? it literally worked before on that same site…
Tries a bunch of different cards, also declines…
But those same cards do work on other sites…
Like…
I feel like when you
- Use their app
and - Create an account
you’re less likely to face problems…
But using mobile website + guest checkout is very likely to get flagged for some stupid reason…
If you look at most apps they’re just wrappers around the websites. Usually they’re using the exact same domains for payment processing so I can only imagine that the payment details are 99% the same.
Personally I haven’t experienced an increase in card declinations on websites.
Some financial institutions are much worse than others. I think it depends on what system they’re using for fraud detection.
Same here. I’ve never had a card declined on a website. I’m decidedly anti-app and haven’t ever had a problem
But don’t they have to send that info to the card issuer?
Like don’t the merchant side have to log and send your IP addresses, what client (browser or App), and like every little info about you to the financial institutions so they can run it through their stupid “fraud prevention” system…
So I assume perhaps somewhere alone the line, some shitty AI assumed that “normal behavior” is “using the App”
(Just a wild guess, no clue how it works behind the scenes)
I doubt it. I find it far more likely that the merchant is arbitrarily declining if they can’t scrape enough of your data to sell later…
Nope. You can literally just send them the exact fields needed for processing a transaction.