Originally Posted by VGeorgie

On sales levels: there seems to be MUCH higher variability in sales on a day-to-day basis. I only have historical data to 2004, but definitely things took a turn mid-2008, where sales could drop 50-75% one or two days. Before that, I could count on fairly regular sales numbers, and of course higher sales.

Every site is different, but for me, mid-week is nearly always slow. So is Saturday afternoon to Sunday afternoon. Things pick up right before and during the first and 15th of the month. Fridays tend to be good, as do Mondays. Again, that's just my site and traffic. Could be the reverse for someone else.

All this points to people - at least my traffic - spending closer to their paydays. If before they used their credit cards for the float, they're not now using their debit cards for it. They have to wait until there's some money in there.

I get decline e-mails and I've seen only a slight increase in "Pre-Auth SC" (scrub) and "Pre-Auth BC" (I believe disallowed country origin). I'm seeing more declines from Insufficient Funds and bank declines. Neither of these would be the fault of CCBill.