"Peter R." wrote

There could be any number of reasons for a decline, Jay. You, as a
merchant, are not privy to the reason for the decline.

I'll go along with that, myself. I had a gas charge declined, but I don't
remember why, exactly. It was something to do with the company seeing
charges that made them think something suspicious was happening with the
card. Made me mad as h*ll, at first, but was easily fixed with a phone
call.
--
Jim in NC