I'm currently promoting a program using CCNOW as a payment processor. Since more than 20 days a very big share of sales is getting declined (pending -> then wiped out). About 65% of all sales are getting dropped now. This is a huge increase compared to the 5% rate i got for several months before. Can someone share this experience or give some explanation? I heard a rumour that they are not accepting payments from India, Nigeria, Indonesia anymore. Is that a fact? I hope not ..
CCNow.com is supposed to be associated with sales of physical products which require shipping and nothing else. I am not using them but it is possible that they are just removing the level of frauds by not accepting payments from countries which have the highest fraud level.
It almost sounds like there is some card testing (carding) taking place. I'm not sure what information you have access to in relation to each transaction but normally you can tell if this is the case if you are getting a lot of declines from single users at regular intervals, or using many difference card / exp date combinations.