Well-l-l BV I think it's a wee more complicated than that.
1. If i get a "pre-auth" decline from CCBill that means (I believe) that CCBill itself rejected the potential member - based on fraud detection, scrub, whatever reason - and sends ME a decline. But that 'decline' did not cascade over to Epoch otherwise I would see the corresponding form hit on the Epoch side, right? But I don't under this scenario.
Now if the BANK rejects the surfer THEN it cascades over to Epoch (again, I believe). This means CCBill put the attempted transaction through to one of (or all of) their merchant banks and the bank rejected the sale. So then it goes to Epoch and Epoch gives the sale a shot with one of their merchant banks (which may or may not reject the sale).
So why doesn't CCBill cascade the "pre-auth" decline as well? If they don't want the sale and reject it out of hand because of whatever internal reason, why not let Epoch give it a shot?
2. Who is a potential (rejected) customer going to email? They're going to email CCBill first and go 'WTF?' Now you know many, many porn surfers are impulse buyers, so if they get rejected they go "FUCK!" and beat off to a tube in frustration.
Again, most people won't contact a site - ANY site - and go "WTF I can't join your site/buy from you". IMHO most people will assume it's THEM - their credit, their bank, their checking account. Then maybe they try again in a few days or a week or two and by then CCBill has taken its' foot off the brakes and everything goes through. "Ah see? It WAS me (my card, bank, etc)!" So no emails to the site.
PS: And I bet if a surfer checks his card after he's been denied, finds there's enough on it to join, calls CCBill and says this, CCBill will let that person through. What'cha wanna bet?
