Why are payment failures still so common in 2026?
I keep running into payment failures even on legit cards and it’s getting frustrating. It’s not even about lack of funds — sometimes the same card works on one site and fails on another. I assume it’s something with fraud filters or scoring systems being too aggressive. But then again, aren’t these systems supposed to improve user experience, not break it? Curious how others deal with this. Are you optimizing for fewer declines or just accepting some loss?
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