About

We use Stripe to process one-time, non-recurring online payments for a digital service. We’re seeing a high number of issuer declines on US cards (do_not_honor, generic_decline) even though Stripe has confirmed our technical setup and MCC are correct. We’re looking for a Stripe/acquiring specialist who can help us identify the real cause of these declines and guide us toward a practical, effective solution. The items below are possible improvement areas — but we’re not assuming any of them are the actual fix. We want someone who can diagnose the issue end-to-end and provide clear direction. What we need: Deep analysis of our Stripe payment flow and authorization data Diagnosis of issuer decline patterns for US cards Review of billing details strategy (AVS, address, metadata, etc.) Evaluation of retry logic, descriptors, wallets, and risk signals Assessment of whether acquiring setup or cross-border routing is contributing Advice on whether local acquiring / US setup could materially improve approval rates Most importantly: identifying what will move the needle for our one-time payments Ideal candidate: Experience with Stripe, acquirers, or card-network optimization Preferably ex-Stripe / ex-Adyen / ex-Checkout.com or similar Demonstrated results improving approval rates for digital or non-recurring merchants Deliverable: A clear, actionable set of recommendations (quick wins + structural fixes) Please apply if you think you can help us with this cause.