How to Handle a Guest's Repeatedly Declined Credit Card for an Order?

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Discussion Overview

The thread discusses the challenges faced by a consultant regarding a guest's credit card that has been repeatedly declined for an order. Participants share their personal experiences and thoughts on how to handle the situation, including potential solutions and the implications for the host's benefits.

Discussion Character

  • Anecdotal
  • Opinion-based
  • Exploratory

Main Points Raised

  • One participant, identifying as a consultant, describes the frustration of having a guest's credit card declined multiple times and the stress it causes regarding meeting sales goals.
  • Another participant shares their experience of considering paying for the order themselves but expresses caution about the risks involved, such as the possibility of not being reimbursed by the guest.
  • Several users mention the idea of holding the products until the guest can provide a different form of payment, suggesting that this approach could protect the consultant's interests.
  • One participant notes that if the consultant pays for the order, they could potentially benefit from additional products, but emphasizes the importance of clear communication with the host.
  • Another participant highlights the need to keep records for future transactions to avoid similar issues.

Areas of Agreement / Disagreement

Views differ on the best course of action to take regarding the declined payment, with some participants suggesting personal payment while others caution against it. No clear consensus emerges on how to handle the situation.

Contextual Notes

The discussion reflects the experiences of new consultants navigating payment issues and the impact on their business goals, particularly within the first 30 days of their consultancy.

Who May Find This Useful

Consultants facing similar challenges with payment processing or looking for insights on handling declined credit cards may find the shared experiences relevant.

K
kristyjab
Messages
23
Submitted show Sunday night, got the email Monday early afternoon. Re-ran card via 1 888#. DECLINED! I talked to the guest and she told me she had just moved $$$ over from her savings, etc. Somehow from that time the card was ran again and I have no idea how. I called HO again and they told me they would manually debit the account in 2 days. So I call this afternoon (now Tuesday) and the debit was attempted again but DECLINED again... So we very responsive and apologetic yesterday and today Ive called her 2x and no call back. So now her CC has been ran a total of 4 times. I am thinking about debiting it again Friday AM (if they can?) because I am sure she gets paid at her job on the 15th, she works at NASA.

The reason why I am so worried about it that show was just barely over $150 and her order was for $58 of it. Yesterday was my 30th day as a new consultant, and without that show I am $30 shy of $1250 and I am lacking a 4th show leaving me without $200 PC dollars... I am almost tempted to run my own personal debit card and have her get me a money order. But I have a feeling I would be waiting on that.

What happens if she cancels out her order? The host will lose her benefits or can she replace that order even though its been submitted? I am getting a tad stressed about this now... Please advise. Thanks!
 
Man that is a bummer, and very frustrating !! i know how much you want this show to close for your 1250 to count in the 30 days.. but be careful .. if you use your card you might me out her order (if she cancels) and out to fit the bill.. who's to say that she will repay u...

Sorry to hear that is happening to you.. sending my prayers up 4 u ...

Great job !!! in your 1st 30 days :)
 
I would probably pay for it myself, but have the order shipped to me, package everything up for the host, but let her know that you are holding that ladies order per a different method of payment due to a problem with PC processing her card. You don't have to say that its being declined due to insufficent funds, just do a not sure what happening, but that she is aware of it. Don't give her the products til she produces a mo or cash. Your host will still get the benefits, you'll get your extra benefits, and if she doesn't pay up, then you've got some additional product to use how ever you want to!
 
candiejayne said:
I would probably pay for it myself, but have the order shipped to me, package everything up for the host, but let her know that you are holding that ladies order per a different method of payment due to a problem with PC processing her card. You don't have to say that its being declined due to insufficent funds, just do a not sure what happening, but that she is aware of it. Don't give her the products til she produces a mo or cash. Your host will still get the benefits, you'll get your extra benefits, and if she doesn't pay up, then you've got some additional product to use how ever you want to!
Click to expand...

I totally agree. Sorry you are having to go through this. The only good thing about this is that you will know how to handle this if it should ever come up again and of course keep notes in case you have to deal with her again that you want cash from her only.

Until you get the payment resolved the show will not get shipped btw.

Good luck with this and your PC business!:)
 
  • Thread starter
  • #5
candiejayne said:
I would probably pay for it myself, but have the order shipped to me, package everything up for the host, but let her know that you are holding that ladies order per a different method of payment due to a problem with PC processing her card. You don't have to say that its being declined due to insufficent funds, just do a not sure what happening, but that she is aware of it. Don't give her the products til she produces a mo or cash. Your host will still get the benefits, you'll get your extra benefits, and if she doesn't pay up, then you've got some additional product to use how ever you want to!
Click to expand...

I am pretty good friends with the host so if I ask her not pass along the the 3 products she wouldnt... I am going to give it until Friday to debit again and then if not I will fork the bill. I figure it I pay the $67.99 I will get $200 FREE and give the stoneware and accent decorator as a gift for the holidays or donate it for a silent auction and use it as a tax write off. I will lose all 30 day benefits if the card doesnt go thru. Keep yalls fingers crossed.
 

Frequently Asked Questions

What should I do if a guest's credit card is declined multiple times?

If a guest's credit card is declined, first confirm that the card details are entered correctly. If they are, inform the guest and suggest they check with their bank for any issues. You can also recommend trying a different payment method if available.

How can I communicate with the guest about their declined payment?

Approach the guest with empathy and professionalism. Let them know that their payment did not go through and ask if they would like to try a different card or payment method. Ensure that your tone is supportive and understanding to maintain a positive relationship.

Is there a limit to how many times I can attempt to process a declined credit card?

While there is no strict limit, it's best to limit the number of attempts to avoid frustrating the guest. Typically, two or three attempts are reasonable. If the card continues to decline, suggest alternative payment options.

What if the guest insists that their card should work?

If the guest believes their card should work, encourage them to contact their bank to resolve any potential issues. You can also offer to hold their order temporarily until the payment issue is resolved, ensuring they feel valued and understood.

Can I offer a payment plan if the guest is having trouble with their card?

While payment plans are not typically offered in direct sales, you can suggest that the guest consider splitting their order into smaller purchases or using a different payment method. Always check your company's policies regarding payment options before making any commitments.

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