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Understanding the Ecommerce Payment Chain

Learn where fraud and false declines happen, so you can stop fraud and maximize sales.

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By downloading this e-book , you will learn:

  • What the payment chain is and why you need to understand it.
  • The different opportunities for false declines that happen along the payment chain.
  • How to know if you have a problem with false declines and what to do about it.
  • Why false declines are a bigger problem than fraud.
  • What to do if you suspect an order was falsely declined.

About this e-book

Understanding the Ecommerce Payment Chain

What’s the Problem?

On average, 60% of declined orders are actually legitimate. These lost orders add up to $118 billion per year — 13 times more than losses caused by credit card fraud.

In your efforts to prevent credit card fraud, are you losing more than you’re gaining?

How Do False Declines Happen?

Transactions run through fraud checks at multiple points in the payment chain. Unfortunately, fraud rules frequently contradict each other and may inadvertently allow fraudulent transactions to slip through the cracks – while falsely identifying legitimate orders as fraudulent.

Finding a Balance

Both credit card fraud and false declines are problems for ecommerce merchants.

We’ve created a helpful guide that explains the basics of how the payment process works and how false declines can be managed. The more you know about how they work, the better you’ll be able to stop fraud in its tracks and approve more sales – a balanced approach that grows your revenue while keeping customers happy.

Frequently Asked Questions (FAQs)

What does a false decline cost the merchant?

It’s more than just a lost sale.

While the dollar value of that purchase is the most obvious loss for ecommerce merchants, there are other ways false declines can hurt a business’s bottom line:

  • Reduced revenue, both from the sale itself and potentially any future revenue from that customer
  • Dissatisfied customers
  • Damaged brand reputation
  • Decreased accuracy in fraud detection

Why do I need to fill out the information requested?

We will always keep your personal information safe.

We ask for your information in exchange for this valuable resource to improve your website user experience and send you additional information that is related to this topic and growing your business. You can read more about our privacy policy here.

Is this actually free?

Of course it is!

We are simply sharing our industry knowledge that our clients and team members find helpful. Let us know if you have any additional fraud or ecommerce questions.

Fill out the form and optimize your fraud prevention process today!


ClearSale Reviews


Amazing Company to work with

"Their customer service is the best. They are quick to respond and answer questions regarding orders that are denied."

Teresa E.


Clear Sale gives us confidence that we will get paid

"ClearSale is very good, the orders get approved quickly ,which is great so we know we can confidently send out the goods. Payment confirmation usually happens in 2-3 hrs. Once that happens we know we are covered."

Tony H.


They are great!

"The competitive rates, their quick response to customer service"

Daniel Esteban C


Great service & peace of mind

"ClearSale offers a great service that comes with complete peace of mind. Their staff is easy to reach and pleasant to deal with. I particularly enjoy that I no longer have to spend hours a day investigating customers who purchase from our online store and trying to determine if they are legitimate or not. No more rolling the dice with our business. ClearSale also backs up all their..."

Barry N.


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