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What Ramster said.
I've gone to buy things on the web, hard goods, and my card was declined due to something setting off a red flag, my card is good, but they decline the sale for whatever reason. Maybe the merchant has had problems in the past, maybe it is an unusually purchase for me when they looked at my history, anything that sets off their security.
I could go and buy the same thing at a later time someplace else and it would maybe then go through.
The results for us and the paysite is loss of sales.
The card companies scrub differently at different times.
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