{"id":933,"date":"2025-08-25T22:00:00","date_gmt":"2025-08-25T22:00:00","guid":{"rendered":"https:\/\/platforms.worldpay.com\/en\/?p=933"},"modified":"2025-08-26T00:21:16","modified_gmt":"2025-08-26T00:21:16","slug":"false-declines","status":"publish","type":"post","link":"https:\/\/platforms.worldpay.com\/en\/blog\/false-declines\/","title":{"rendered":"False declines: What software companies embedding payments need to know"},"content":{"rendered":"<section class=\"blog-contents-block py-12 lg:py-24\" x-data=\"blogContents('h-what-are-false-declines', [&quot;h-what-are-false-declines&quot;,&quot;h-what-causes-a-false-decline&quot;,&quot;h-how-do-false-declines-impact-your-customers&quot;,&quot;h-how-we-can-help-your-customers-mitigate-false-declines&quot;])\">\n    <div class=\"container relative\">\n        <div class=\"flex flex-wrap -mt-8 lg:-mx-4\">\n            <div class=\"order-1 w-full mt-8 lg:px-4 lg:flex-1 lg:order-0\">\n                <div class=\"acf-innerblocks-container\">\n\n<p class=\"has-lg-font-size\">As a software company committed to your customers, you want to do everything you can to set them up for success.<\/p>\n\n\n\n<p class=\"has-lg-font-size\">For many of your customers, success begins and ends with a seamless&nbsp;payment experience, and one of the biggest sources of friction is false declines. Here are a few industry statistics from to demonstrate what we mean.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-purple-tickbox\">\n<li class=\"has-purple-200-background-color has-background has-lg-font-size\"><strong>27%<\/strong> of online shoppers in APAC faced at least one legitimate transaction being declined in a year. This rises to <strong>36% for multiple false declines<\/strong>. <sup>1<\/sup><br><\/li>\n\n\n\n<li class=\"has-purple-200-background-color has-background has-lg-font-size\">Card-not-present (CNP) fraud on Australian-issued cards was <strong>A$325 m in 2023 (A$1.06 per $1 k spent domestically)<\/strong> \u2014 the risk backdrop that pushes issuers and merchants toward tighter rules <sup>2<\/sup><\/li>\n<\/ul>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-lg-font-size\">Fortunately, there are solutions you can offer your customers to help avoid these payment pitfalls. Throughout this blog, we delve into false declines through the lens of a software company, helping you answer top of mind questions like:<\/p>\n\n\n\n<ul class=\"wp-block-list has-transparent-background-color has-background\">\n<li><a href=\"#h-what-are-false-declines\">What are false declines?<\/a><\/li>\n\n\n\n<li><a href=\"#h-what-causes-a-false-decline\">What causes a false decline?<\/a><\/li>\n\n\n\n<li><a href=\"#h-how-do-false-declines-impact-your-customers\">How does a high rate of false declines impact small businesses?<\/a><\/li>\n\n\n\n<li><a href=\"#h-how-we-can-help-your-customers-mitigate-false-declines\">How can we&nbsp;help software companies optimise the checkout experience?<\/a><\/li>\n<\/ul>\n\n\n\n<div style=\"height:35px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading mb-0\" id=\"h-what-are-false-declines\"><strong>What are false declines?<\/strong><\/h2>\n\n\n\n<p class=\"has-lg-font-size\">A false decline is when a legitimate transaction is rejected or declined by a bank or payment processor.<\/p>\n\n\n\n<div style=\"height:69px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading mb-0\" id=\"h-what-causes-a-false-decline\"><strong>What causes a false decline?<\/strong><\/h2>\n\n\n\n<p class=\"has-lg-font-size\">Financial institutions and payment processors rely on systems to detect and prevent fraud. Sometimes they can be overly sensitive and cause payment rejections or declines. A false decline can happen for a myriad of reasons so let\u2019<a>s<\/a> take a closer look at some of the most common reasons they happen. Understanding the reasons they can happen will help you and your customers understand what measures and management strategies you can put in place to avoid them in the future.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-lg-font-size\"><strong>Inconsistent spending:<\/strong> Banks and payment processors are constantly monitoring the spending patterns of their customers looking for inconsistencies, unusually large purchases, or a series of rapid transactions. Transactions that stray from a customer\u2019s historical spending behavior may alert a monitoring system of potential fraud, and in some cases, can lead to a false decline.<\/li>\n\n\n\n<li class=\"has-lg-font-size\"><strong>Exceeding transaction limits:<\/strong> Most financial accounts have a transactional limit set by the institution to mitigate potential fraud losses. If a cardholder tries to make a purchase and exceeds their transaction limits, it may be declined.<\/li>\n\n\n\n<li class=\"has-lg-font-size\"><strong>Incorrect information:<\/strong> When a purchase is processed, customer data must be verified, including billing address, card security code, and expiration date. If there is a discrepancy between the information entered and what is on file with the bank, the transaction may be declined.<\/li>\n\n\n\n<li class=\"has-lg-font-size\"><strong>Expired cards or accounts:<\/strong> If a customer attempts to use an expired credit card or account, their transaction will likely <a>be<\/a> declined.<\/li>\n\n\n\n<li class=\"has-lg-font-size\"><strong>Technical errors:<\/strong> While technology is becoming more sophisticated every day, payment processing is complex, and sometimes technical errors can take place resulting in a false decline.<\/li>\n\n\n\n<li class=\"has-lg-font-size\"><strong>Travel:<\/strong> Like monitoring for unusual spending patterns, transactions made from locations that are far from a cardholder\u2019s home or in another country may be flagged as fraudulent, resulting in a false decline if the customer is in fact overseas or in a different region of the country.<\/li>\n\n\n\n<li class=\"has-lg-font-size\"><strong>Sensitive fraud detection:<\/strong> Some fraud detection systems can be overly sensitive, flagging legit purchases as fraud, resulting in false declines.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:93px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading mb-0\" id=\"h-how-do-false-declines-impact-your-customers\"><strong>How do false declines impact your customers?<\/strong><\/h2>\n\n\n\n<p class=\"has-lg-font-size\">False declines can cause problems for your customers, including increased operational costs, reputational damage, and revenue loss. In fact,<strong> 83% of shoppers who experienced a false decline said they would not return to that retailer<\/strong>.<sup>3<\/sup><br><\/p>\n\n\n\n<div style=\"height:93px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading mb-0\" id=\"h-how-we-can-help-your-customers-mitigate-false-declines\"><strong>How we can help your customers mitigate false declines<\/strong><\/h2>\n\n\n\n<p class=\"has-lg-font-size\">As you can see, a false decline can have a resounding impact on any business. We're committed to helping software companies create frictionless experiences for their customers and, in turn, their cardholders through our suite of tokenisation solutions.<\/p>\n\n\n\n<p class=\"has-lg-font-size\">Tokens swap a card\u2019s primary account number and sensitive information with secure data.&nbsp; Network tokens are provisioned by card networks and help streamline card authorisation. Through a strategic payment partnership, software companies can access tools that manage tokens for card-not-present and recurring card-not-present transactions to help increase authorization rates, decrease false declines, and optimise the checkout experience.<\/p>\n\n\n\n<p class=\"has-lg-font-size\">By creating a frictionless shopping experience with tokenisation, software companies can help their customers optimize the checkout experience for consumers and possibly reduce interchange fees in the process. All of this and more is possible for your platform.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-custom-container bg-transparent mt-0 mb-0 pt-12 pb-12\" style=\"background-image:url(https:\/\/platforms.worldpay.com\/wp-content\/uploads\/2025\/01\/Mask-group.png);background-size:cover\"><div class=\"container\"><div class=\"columns-block max-w-2000\" id=\"columns-block_8f5c837ad84acad7f8548a0f9d608856\">\n    <div class=\"flex flex-wrap columns-block-container -mx-5 -mt-12 justify-start\">\n<div class=\"column-block flex flex-col mt-12 px-5  w-full md:w-full lg:w-full xl:w-full\"\n    id=\"column-block_83fbf2de9a7c7e290bdbc10b3b64f4c8\" >\n    <div class=\"flex flex-col flex-grow rounded-xl relative  bg-transparent items-start justify-start\">\n\n<h2 class=\"wp-block-heading has-white-color has-text-color has-link-color mb-0 wp-elements-890faa4e5a2cae40460dc5fd1bf3cbc0\" id=\"h-learn-more-about-tokenisation-strategies-to-boost-your-software-performance\">Learn more about tokenisation strategies to boost your software performance<\/h2>\n\n<\/div>\n<\/div>\n\n\n<div class=\"column-block flex flex-col mt-12 px-5  w-full md:w-full lg:w-full xl:w-full\"\n    id=\"column-block_83fbf2de9a7c7e290bdbc10b3b64f4c8\" >\n    <div class=\"flex flex-col flex-grow rounded-xl relative  bg-transparent items-start justify-start\">\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--1\"><a class=\"wp-block-button__link has-white-color has-blue-default-background-color has-text-color has-background has-link-color wp-element-button\" href=\"https:\/\/platforms.worldpay.com\/en\/solutions\/embedded-payments\/tokenisation\/\">Learn more<\/a><\/div>\n<\/div>\n\n<\/div>\n<\/div>\n\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:32px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\" \/>\n\n\n\n<div style=\"height:29px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><sup>1<\/sup> <a href=\"https:\/\/www.martechcube.com\/ecommerce-false-declines-consumer-behavior-clearsale\/\"> Ecommerce False Declines and Consumer Behavior Report, Clear Sale<\/a><\/p>\n\n\n\n<p><sup>2<\/sup> Australian Payment Fraud Report 2024, <a href=\"https:\/\/www.auspaynet.com.au\/sites\/default\/files\/2024-09\/Australian_Payment_Fraud_Report_2024_0.pdf\">Australian Payments Network<\/a><a id=\"_msocom_1\"><\/a><\/p>\n\n\n\n<p>&nbsp;<sup>3 <\/sup><a href=\"https:\/\/www.martechcube.com\/ecommerce-false-declines-consumer-behavior-clearsale\/\">Ecommerce False Declines and Consumer Behavior Report, Clear Sale<\/a><\/p>\n\n<\/div>\n            <\/div>\n            <div class=\"w-full mt-8 lg:px-4 lg:max-w-96 lg:order-1\">\n                <div class=\"w-full lg:sticky lg:top-36\">\n                                                                <div class=\"w-full p-6 bg-purple-200 rounded-lg\">\n                            <p class=\"font-bold text-[17px] mb-3 lg:text-[25px]\">\n                                Table of Contents\n                            <\/p>\n                            <div class=\"blog-contents-container\">\n                                                                    <a class=\"relative flex w-full py-4 !no-underline\" href=\"#h-what-are-false-declines\"\n                                        x-on:click.prevent=\"changeTab('h-what-are-false-declines')\">\n                                        <span\n                                            class=\"mr-4\">01\n                                        <\/span>\n                                        What are false declines?\n                                        <span\n                                            class=\"absolute bottom-0 transition-all duration-300 left-0 w-full h-[1px] bg-grey\"\n                                            :class=\"tab === 'h-what-are-false-declines' ?\n                                                'bg-purple h-[3px]' :\n                                                'bg-grey'\">\n                                        <\/span>\n                                    <\/a>\n                                                                    <a class=\"relative flex w-full py-4 !no-underline\" href=\"#h-what-causes-a-false-decline\"\n                                        x-on:click.prevent=\"changeTab('h-what-causes-a-false-decline')\">\n                                        <span\n                                            class=\"mr-4\">02\n                                        <\/span>\n                                        What causes a false decline\n                                        <span\n                                            class=\"absolute bottom-0 transition-all duration-300 left-0 w-full h-[1px] bg-grey\"\n                                            :class=\"tab === 'h-what-causes-a-false-decline' ?\n                                                'bg-purple h-[3px]' :\n                                                'bg-grey'\">\n                                        <\/span>\n                                    <\/a>\n                                                                    <a class=\"relative flex w-full py-4 !no-underline\" href=\"#h-how-do-false-declines-impact-your-customers\"\n                                        x-on:click.prevent=\"changeTab('h-how-do-false-declines-impact-your-customers')\">\n                                        <span\n                                            class=\"mr-4\">03\n                                        <\/span>\n                                        The impact of false declines on small businesses\n                                        <span\n                                            class=\"absolute bottom-0 transition-all duration-300 left-0 w-full h-[1px] bg-grey\"\n                                            :class=\"tab === 'h-how-do-false-declines-impact-your-customers' ?\n                                                'bg-purple h-[3px]' :\n                                                'bg-grey'\">\n                                        <\/span>\n                                    <\/a>\n                                                                    <a class=\"relative flex w-full py-4 !no-underline\" href=\"#h-how-we-can-help-your-customers-mitigate-false-declines\"\n                                        x-on:click.prevent=\"changeTab('h-how-we-can-help-your-customers-mitigate-false-declines')\">\n                                        <span\n                                            class=\"mr-4\">04\n                                        <\/span>\n                                        Optimising checkout experience\n                                        <span\n                                            class=\"absolute bottom-0 transition-all duration-300 left-0 w-full h-[1px] bg-grey\"\n                                            :class=\"tab === 'h-how-we-can-help-your-customers-mitigate-false-declines' ?\n                                                'bg-purple h-[3px]' :\n                                                'bg-grey'\">\n                                        <\/span>\n                                    <\/a>\n                                                            <\/div>\n                        <\/div>\n                                        <div class=\"flex flex-wrap items-center w-full gap-2 p-6\">\n                        <p class=\"!mb-0\">Share:<\/p>\n                        <div class=\"flex items-center gap-y-2 gap-x-4\">\n                            <a href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https:\/\/platforms.worldpay.com\/en\/blog\/false-declines\/\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"35\" 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class=\"mt-auto\">\n        <a class=\"mt-10 btn btn-blue-outline !no-underline\" href=\"https:\/\/platforms.worldpay.com\/en\/customers\/xoda\/\">Learn more<\/a>\n    <\/div>\n<\/div>\n                    <\/div>\n                                                        <div class=\"flex h-auto px-4 mt-5 swiper-slide\" >\n                        <div class=\"flex flex-col justify-start flex-1 w-full h-full p-8 bg-white shadow-xl rounded-xl 2xl:p-12\">\n            <p class=\"text-base font-light text-black uppercase\">\n            video<\/p>\n                <h5>Growth Journey for Platform Partners<\/h5>\n            <div class=\"mt-auto\">\n        <a class=\"mt-10 btn btn-blue-outline !no-underline\" href=\"https:\/\/platforms.worldpay.com\/en\/resources\/videos\/growth-journey-for-platform-partners\/\">Watch now<\/a>\n    <\/div>\n<\/div>\n                    <\/div>\n                                                        <div class=\"flex h-auto px-4 mt-5 swiper-slide\" >\n       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