We have no billing/processing issues in Europe ...
General trends including consumer confidence might be having some affect.
If your selling currencies are euro/dollar FOREX (currency exchange rate) fluctuations would be a factor also.

Mutt,

1. look toward your own local/internal factors also
2. use multiple billers in your processing.
3. look at the actual sales counts not the percentages. The ratios could be distorted by the sales counts

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