Not sure what you do with your Declines, but we have a program that after whatever cascading your doing on your end, we give the surfer a chance to enter your site on Credit, we do the credit check and if it comes back legit (Basically just verifying they are who they say they are), we give them credit for the price of your membership and give them access to your site on the fly, we then bill them by either email or sending a statement to their home. However they wish.
We then do the collections, collection rate is about 50% because people don't want to ruin up there credit for around 30 bucks. We get paid by the surfer, we send you 50%.
Also, once they pay, they have the option to stay on board with the monthly membership.
We have been using this for years and it's a proven system. Once we get paid, you get paid, webmaster gets paid.
I call it Free Found Money.
We never really pushed this product outside our company, but it's actually built in our processor that's in Nats and MPA3.
We've had a few BIG OFFERS to buy it many years ago, but we don't like selling things around here for some reason.
If interested, I'll have the programmers show you or your programmers a demo.
You can also customize the pages.
Thanks,