Thanks for the reply - you're probably right. I just wonder if Paypal have extra fraud prevention measures in place which exacerbates the issue. To give you a feel we see around 20% of our cancellations per day are as a direct result of declined transactions (for this very reason "card declined by issuer").
It just "feels" too high and one that we'd have assumed would affect hundreds/thousands of other SaaS UK companies who bill the bulk of their customers from the US. But there are few (if any) reports of it online.
Interesting point you bring up around international payments - to move slightly off topic for a minute - we have an issue whereby we are a UK based company yet 75% of our paying (recurring) customers are from the US. We have payment declines each day from our US customers and it is often because their payments have been declined by the "issuing bank" or at least that's what Paypal tells us. We're just about to move to Braintree payments but wanted to see whether in your experience (or anyone else for that matter) when you process payments from overseas do you see declines or is this more of a Paypal issue which should be resolved if we moved to Braintree / other payment solution ?
It just "feels" too high and one that we'd have assumed would affect hundreds/thousands of other SaaS UK companies who bill the bulk of their customers from the US. But there are few (if any) reports of it online.