I get this call at least once a day.
Customer: Yes I’m calling to make a payment.
Me: Great let me just verify your account…and how would you like to pay today?
C: Credit card. It’s already on there.
Me: Alrighty and that’s the Visa ending in xxxx?
C: That’s the one.
Me: (Runs payment and it bounces. Every time a payment bounces literally all it says is ‘Declined’. I don’t get a detailed reason of why it’s bouncing) I’m sorry sir but it declined.
C: What?! That’s impossible try it again.
Me: (This literally never works but I always do it if they ask) Sorry it declined again. Do you have another card?
C: THAT CARD WORKS. Why is it declining?!??
Me: I do not have access to that information, you’ll have to call your bank. It could be a number of things-
C: No it works you need to try it again.
Me: Sir it’s just going to keep declining…
C: THIS IS RIDICULOUS WHY WON’T IT WORK?!!!!!
Me: I. DON’T. KNOW. You need to contact your bank. Do you have another card you would like to use?…
C: NO THAT’S MY ONLY CARD. GUESS YOU JUST DON’T WANT ME TO PAY YOU THEN!
Me: It’s declining…if you just call y-
C: I’M NOT CALLING MY BANK. YOU CAN EXPLAIN TO YOUR BOSS WHY I’M NOT PAYING MY BILL BECAUSE THAT CARD WORKS. GOOD BYE.
Literally at LEAST once a day this happens. How do people expect a merchant to know why their card isn’t working?! 9 times out of 10 when they call back either they were overdrawn or they fell for some ridiculous scam that froze their card.