[Silhouette]

As a small business taking card payments, we're far more concerned about the absurd rate of failure of perfectly legitimate charges than anything PCI-DSS say. We lose more customers to Stripe charges failing than any other reason, by a considerable margin, and it seems even Stripe don't actually know why because it's organisations further down the line making these decisions.

The whole card payments industry is broken, and the sooner the growing direct payments industry kills off the credit card giants, the better.