More detail: https://github.com/gittip/www.gittip.com/issues/2666 tl;dr - 82 users with tips set up to @sudoroom: - 50 have a working credit card on file. - 15 have a failing credit card on file. - 17 have no credit card on file. Error messages for the 15 users with "failing credit card on file": - (10) This transaction was declined by the card issuer. Customer please call bank. - (4) This card has been invalidated. - (1) Invalid Account Number "declined by card issuer" means the issuer thinks the transaction might be fraud (for any number of reasons). More information hopefully forthcoming as well... https://github.com/gittip/www.gittip.com/issues/2666#issuecomment-52997368 // Matt