April 2026 Present Update: Handling Payment Declines in Funnelish V2
This thread discusses legacy payment issues from 2018. Funnelish V2 has since completely rebuilt how payments are processed, minimizing card declines and offering native multi-payment options.
What’s Changed & Deprecated
Legacy Plugins: The old method of using a third-party plugin over ClickFunnels to inject PayPal is no longer used.
Popup Fallbacks: A forced “popup” asking a user to switch to PayPal after a Stripe decline creates friction and is not compliant with modern browser popup blockers.
Current Behavior: Native Multi-Gateway Support (V2)
In Funnelish V2, your order form natively supports Stripe and PayPal Commerce side-by-side without any hacks. Here is how modern Funnelish minimizes declines:
Unified Checkout: Customers can see both Credit Card and PayPal options immediately on the checkout page. If their card is declined, they can instantly select the PayPal radio button and check out via PayPal (or PayPal Guest Checkout) without reloading the page.
Modern Stripe API: Funnelish V2 connects directly to Stripe’s most up-to-date APIs, which have drastically improved cross-border payment acceptance rates compared to 2018.
PayPal Advanced Credit/Debit: If you enable PayPal Commerce, PayPal can actually process the credit cards directly on your form, which often has a higher success rate for international transactions than Stripe.
Best Practices to Reduce “Do Not Honor” Declines
As discussed by the community in this thread, international declines are often a banking trust issue. To mitigate this today:
Use clear billing descriptors in your Stripe/PayPal settings.
Enable Apple Pay and Google Pay (natively supported in Funnelish V2), as mobile wallets bypass many traditional bank decline rules through biometric authentication.
Ensure you have an active Cart Abandonment sequence set up in your Funnelish Automations to recover users who bounced after a decline.
I signed up for your app monthly, because it was a lot card declinings at Stripe. And after integrated your PayPal V2, some of my customers use PayPal payment, but there are still A LOT card decliningS.
I guess, some people still dont know that, they can pay with their credit card via PayPal without having a account.
So my questions on you guys:
CAN YOU PLEASE ADD A FEATURE, WHICH POP-UP, THAT FORWARD TO PAYPAL-SITE (see attachtment), WHEN THE CARD IS DECLINED AT STRIPE?
If you can add the feature soon, it helps us so much and we’ll love you more and more.
I guess you are not based in the USA but you sell to USA customers.
My guess is that most failed/declines you get are from USA customers that pay with debit cards. Reason is that card issuers are very strict on international payments (you are an international merchant because you are not in the USA although Stripe processes your payments) so that’s why you get a decline whereas a USA merchant would process the payment without an issue.
There is no solution to this (other than setting up a US LLC or using Stripe Atlas that can get you a C-Corp but the downside is that you have huge taxes to pay each year because of the C-Corp).
Stripe or any other provider usually says that customers have to call their bank and tell them to allow that transaction but in reality that would never happen would it.
May I ask you, are you a member of funnelish? If yes, please take that Point of view, as a customer I want to share my problem so that’s you can find a solution and improve your product. And if you can solve our problem (I put the word „our“ because I m sure there are a lot customer of funnelish have the same problem like me), we will stay with you for a long time. If NOT, we will look for another solution. So do you want to keep us as your customers or you don’t about?
If you are a customer of funnelish then you have to know how to feel paying advertisements a lot but your customer want to buy your products but they can’t.
BTW I chat recently with Yassine and he adviced me to post this topic here.
So first of all @niksaev you got a good point there, that was same case for us a UK company selling in US, it was so damn hard to get payments from US customers we’ve had like 60%+ failed payments sometimes for absolutely no reason… before we discover that it’s only the banks network has not enough trust signals for our company… so @Huu I believe you should consider what @niksaev said he got really good point that will help you with your business…
I know sometimes moving is not easy or starting a new business… (that was our case and here is how we handled it):
We follow up with customers, giving them the incentive to call their banks and allow the payments to be processed… asking your customers to pay via PayPal won’t get you those trust signals with banking network… I know it’s hard but doing that process with 10+ customers over and over again… will enhance your trust rank in the banking network…
the do_not_honor error is just the banking network saying no, we don’t trust this company.
We had a strong automation set in ActiveCampaign, unfortunately, was manual but it made wonders for us… When only a few customers call their banks we noticed our failure rate dropped from 60% down to less than 5% in a matter of days.
We avoid disputes, receiving even a single dispute next day you’ll start noticing more failed payments again, even if the dispute was fraudulent or a scammy client… your reputation will get hurt in the banking network and you’ll need to rebuild it slowly again.
Anyways, Your idea @Huu Is AMAZING and we were thinking of ways to do that and will update this thread once we have more updates…
Best to you two, and @niksaev don’t worry @Huu is a misunderstood nice guy
April 2026 Present Update: Handling Payment Declines in Funnelish V2
What’s Changed & Deprecated
Current Behavior: Native Multi-Gateway Support (V2)
Best Practices to Reduce “Do Not Honor” Declines
Relevant Resources
