{"action":"created","issue":{"url":"https://api.github.com/repos/gratipay/gratipay.com/issues/3531","labels_url":"https://api.github.com/repos/gratipay/gratipay.com/issues/3531/labels{/name}","comments_url":"https://api.github.com/repos/gratipay/gratipay.com/issues/3531/comments","events_url":"https://api.github.com/repos/gratipay/gratipay.com/issues/3531/events","html_url":"https://github.com/gratipay/gratipay.com/issues/3531","id":85681459,"number":3531,"title":"get the heck off Braintree/Wells Fargo's risk radar","user":{"login":"whit537","id":134455,"avatar_url":"https://avatars.githubusercontent.com/u/134455?v=3","gravatar_id":"","url":"https://api.github.com/users/whit537","html_url":"https://github.com/whit537","followers_url":"https://api.github.com/users/whit537/followers","following_url":"https://api.github.com/users/whit537/following{/other_user}","gists_url":"https://api.github.com/users/whit537/gists{/gist_id}","starred_url":"https://api.github.com/users/whit537/starred{/owner}{/repo}","subscriptions_url":"https://api.github.com/users/whit537/subscriptions","organizations_url":"https://api.github.com/users/whit537/orgs","repos_url":"https://api.github.com/users/whit537/repos","events_url":"https://api.github.com/users/whit537/events{/privacy}","received_events_url":"https://api.github.com/users/whit537/received_events","type":"User","site_admin":false},"labels":[{"url":"https://api.github.com/repos/gratipay/gratipay.com/labels/%E2%98%85%E2%98%85%E2%98%85","name":"★★★","color":"339966"}],"state":"open","locked":false,"assignee":null,"milestone":{"url":"https://api.github.com/repos/gratipay/gratipay.com/milestones/11","html_url":"https://github.com/gratipay/gratipay.com/milestones/Balanced%20Shutdown","labels_url":"https://api.github.com/repos/gratipay/gratipay.com/milestones/11/labels","id":1037902,"number":11,"title":"Balanced Shutdown","description":"http://blog.balancedpayments.com/shutting-down","creator":{"login":"Changaco","id":1581590,"avatar_url":"https://avatars.githubusercontent.com/u/1581590?v=3","gravatar_id":"","url":"https://api.github.com/users/Changaco","html_url":"https://github.com/Changaco","followers_url":"https://api.github.com/users/Changaco/followers","following_url":"https://api.github.com/users/Changaco/following{/other_user}","gists_url":"https://api.github.com/users/Changaco/gists{/gist_id}","starred_url":"https://api.github.com/users/Changaco/starred{/owner}{/repo}","subscriptions_url":"https://api.github.com/users/Changaco/subscriptions","organizations_url":"https://api.github.com/users/Changaco/orgs","repos_url":"https://api.github.com/users/Changaco/repos","events_url":"https://api.github.com/users/Changaco/events{/privacy}","received_events_url":"https://api.github.com/users/Changaco/received_events","type":"User","site_admin":false},"open_issues":16,"closed_issues":27,"state":"open","created_at":"2015-03-25T10:10:33Z","updated_at":"2015-06-11T15:53:55Z","due_on":"2015-10-09T04:00:00Z","closed_at":null},"comments":22,"created_at":"2015-06-06T02:36:22Z","updated_at":"2015-06-12T01:53:11Z","closed_at":null,"body":"From: Braintree\r\n\r\n> Hi Chad, \r\n>\r\nI hope this e-mail finds you well. We just received notification that our risk department flagged your Gratipay account as a result of a large amount of transactions being declined in your Braintree Gateway.\r\n>\r\nOf the 386 transactions recently processed, 222 have been declined. This is a huge concern for our Risk team and sponsoring bank, and our goal is to work with you to decrease the amount of declines on your merchant account so that you can resume normal processing.\r\n>\r\nIn order to complete their review, the risk department is requesting: \r\n>\r\n1. An explanation for the large amount of declines.\r\n2. The last three months’ bank statements showing beginning and ending balances to ensure that you are supportive of the increased risk exposure brought about by a large decline ratio.\r\n3. Any processing statements you may have from your most recent merchant processing relationship\r\n4. Itemized invoices complete with customer contact information and any applicable shipping documents for transactions [], [], and []\r\n>\r\nFunds are currently not on hold at this time. If I can be of any assistance whatsoever, please don’t hesitate to email me or call me directly at [].\r\n>\r\nThank you in advance,\r\n\r\nhttps://gratipay.freshdesk.com/helpdesk/tickets/2295\r\n\r\n<bountysource-plugin>\r\n---\r\nWant to back this issue? **[Post a bounty on it!](https://www.bountysource.com/issues/20695881-get-the-heck-off-braintree-wells-fargo-s-risk-radar?utm_campaign=plugin&utm_content=tracker%2F85909&utm_medium=issues&utm_source=github)** We accept bounties via [Bountysource](https://www.bountysource.com/?utm_campaign=plugin&utm_content=tracker%2F85909&utm_medium=issues&utm_source=github).\r\n</bountysource-plugin>"},"comment":{"url":"https://api.github.com/repos/gratipay/gratipay.com/issues/comments/111323893","html_url":"https://github.com/gratipay/gratipay.com/issues/3531#issuecomment-111323893","issue_url":"https://api.github.com/repos/gratipay/gratipay.com/issues/3531","id":111323893,"user":{"login":"whit537","id":134455,"avatar_url":"https://avatars.githubusercontent.com/u/134455?v=3","gravatar_id":"","url":"https://api.github.com/users/whit537","html_url":"https://github.com/whit537","followers_url":"https://api.github.com/users/whit537/followers","following_url":"https://api.github.com/users/whit537/following{/other_user}","gists_url":"https://api.github.com/users/whit537/gists{/gist_id}","starred_url":"https://api.github.com/users/whit537/starred{/owner}{/repo}","subscriptions_url":"https://api.github.com/users/whit537/subscriptions","organizations_url":"https://api.github.com/users/whit537/orgs","repos_url":"https://api.github.com/users/whit537/repos","events_url":"https://api.github.com/users/whit537/events{/privacy}","received_events_url":"https://api.github.com/users/whit537/received_events","type":"User","site_admin":false},"created_at":"2015-06-12T01:53:11Z","updated_at":"2015-06-12T01:53:11Z","body":"From: Braintree\r\n\r\n> Thank you for your call earlier today. \r\n>\r\nI was able to find the answers to the questions we discussed. The reporting tool where we quoted the “222 unsuccessful transactions” are taken from the “Transaction Summary” tab. The additional 1 transaction included in this report, which differs from the “Transactions Advanced Search”, is the 1 voided transaction, which would not be preselected for “Unsuccessful Transactions” under the “Transactions Advanced Search” report. \r\n>\r\nHopefully this helps! Thank you for your patience and we look forward to assisting you further. \r\n\r\nTo: Braintree\r\n\r\n> Thanks for following up, I see the Transaction Summary now.\r\n>\r\n>Our decline rate did end up being much lower today: 8%, compared to 59% and 56% for the previous two weeks. What's the acceptable range for our decline rate? What should we be aiming for?\r\n>\r\n>>Unfortunately, our sponsoring bank does prefer copies of statements for documentation purposes.\r\n>\r\nOkay, I intend to track down the New Alliance and Balanced statements tomorrow.\r\n>\r\n>>Do you collect customer phone numbers or emails when you accept payment?\r\n>\r\nNo, we don't collect phone numbers when we accept payment. We do collect email addresses, but they're optional for buyers.\r\n>\r\n>>[A]re you able to provide us a copy of what the customers would receive as confirmation or what you keep internally for receipts?\r\n>\r\n>I've attached an example of the email notifications (success and failure) we send when we charge someone and they have a verified email on file. Internally for receipts we use the user's so-called \"history page.\" They have access to it as well. I've included an example screenshot for the user on the [] transaction. For successful charges, we do generate a receipt that is linked from the history page as well as the \"Receipt\" button/link in the success email notification. I've attached an example of that as well.\r\n>\r\nI will follow up with statements when I have them."}}