Hi!

It would only be declining if customers were using VISA when VISAwasn't offered and they're entering a VISA number anyway (begins in 4).

If you're unsure about whether you want to pay the VISA fee, you may want to check out Verotel or the new YNOT program.

It's always good to have a number of different billing programs anyway in case (God forbid) one of them starts to have a few problems.