[VladVladikoff]

>Anecdotally, US banks are terrible at building fraud control systems. It seems US banks assume any transaction that is charged by an entity outside the US is fraud. In my 10-year history of running a SaaS, the US banks and their "fraud control" systems have been one of the biggest billing problems.

This rings home so true, as a Canadian company I am SO TIRED of US banks flagging our transactions as fraud. We have done so much to try to prevent it too. We have a mail forwarding office address in the US. A bank account in USD in the US registered to that address, the merchant account tied to that charging in USD, and still we get these fraud flags. And we’re over the 10 year mark now, I think almost 15. You would thing we would have built up some trust at these banks, but nope.

My next biggest hassle lately is we are a “tokenize and bill later” type service, and we don’t charge monthly recurring exact same amount, depends on the users incurred charges in that period. And lately it seems most Americans leave their cards on a permanently lock, and only unlock to allow a charge, this means most of our charges decline initially until the user unlocks their card and retries the payment. A real support headache if any has a fix to either of these problems I would pay good money for it.