Then they are incredibly paranoid. I know several clients of mine has issues with specific regions tho.
As a builder of e-commerce websites, you can definitely understand the situation, even if you think that we are incredibly paranoid. Have you tried to be in your clients shoes

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If your clients are anything like us, first we have to deal with the bank or PayPal, which 'captures' the payment on our side. Then, at the insistence of such 'capturers', each transaction has to go through a security gateway provider. In ARCs case, it is 'SagePay' who screens every capture. To screen every capture, a certain level of 'interbank' understanding/co-operation has to be in place, in accordance with international agreements. This does not include PayPal and virtual debit/credit cards or any other fancy method. The level of screening available is dependent on the level of co-operation the payers bank wishes enter into. This again is variable from country to country. This is supposed to be uniform, but it is not. Example, Spanish banks provide the lowest level of security risk co-operation, Norway banks are somewhere in the middle, Swedish banks provide a good level of security risk assessment, and so on.
At the end, SagePay provides us a risk report bases on at least three or four factors, including confirmation to say if the payers bank guarantees the payment or not. Then it is up to ARC if we take the payment or not. Once we accept, only then is the payment is released to our bank, which happens to be Swedish

.....becasue I am paranoid about the poor service of British banks!

We are one of the few traders who only take 'authorisation' of payment value through our website. We do not take immediate payment with order. We only take the payment when we are ready to process the order, or we cancel the 'authorisation' if we are not happy with the order or for any other reason. However, we are aware that overseas banks and PayPal in certain countries 'take the funds' from the buyer - their customer at the time of authorisation, so in certain cases it looks like ARC has taken the payment, when it clearly has not.
(Presenting in John Stevensons style): TRUE STORY: As another example, such an event happened to a Swedish customer :-) whose payment authorisation we had canceled by mutual agreement, so that he could send large value funds by TT to us. His Swedish bank were insisting on taking their time to release the funds back to his account, so he turned up inside his bank and demanded that they re-credit him back immediately, or they should call the police to remove him from the branch. After a lot of frantic internal bank telephone calls, the funds were released back to him without delay.
You might consider all of this as being paranoid, but we consider this to be part of the baggage of running an internet business.
