Example:
I am the Finance Manager at LEG/CE4Less, and I would be happy to discuss this with you over the phone. However, to give you a clearer picture before we connect, here’s a brief overview of the situation. Below is a screenshot of the information we see on our end regarding the transactions you’ve attempted:
At CE4Less, we do not directly process credit card transactions. Instead, we use a secure third-party payment processor, Braintree. When you enter your credit card information on our site, Braintree encrypts the data and sends it to the card-issuing bank to attempt the charge. The bank then responds to Braintree with either an approval or a decline.
In this case, the issuing bank has declined the charge, and unfortunately, they haven’t provided specific details about the reason. The note "Per phone number used in last 7 days" is somewhat ambiguous, as banks often limit the information shared with merchants to prevent potential misuse by bad actors. Ultimately, the decision to approve or decline the charge rests solely with the bank.
Even if I manually entered the card details into Braintree on my side, we would receive the same response from the bank.
As the cardholder, you have the advantage of being able to speak directly with the bank for more detailed information. I recommend calling the number on the back of your card and asking them to review the reason for this rejection. They should be able to explain why the charge was declined and advise on any steps to resolve the issue. Often, misunderstandings caused by automated fraud detection systems can be quickly cleared up once the bank verifies the transaction with you.
Once you've spoken with your bank, feel free to reach out to me, and we can discuss the next steps to ensure the charge processes successfully on our side.
Let me know how you'd like to proceed.
Best regards,