Appreciate the response.  I suppose the most simple change would be visibility to &quot;would have declined&quot; if the &quot;automatically decline detected fraud&quot; buttons are set to off.<p>That would allow the flexibility for merchants to make their own decisions without the hassle of manually dealing with false positives.   The trouble with the false positives is that you have to talk the customer into entering all their data again, without having anything specific to tell them, like &quot;Er, you were declined, but I have no idea why...can you try again?&quot;.