Unfortunately, it is not that easy because you are just one part of a larger financial system and have to deal with horribly outdated banks, etc.
I used to work at WePay and a lot of the complex technical work we did was to make sure that the craziness and unreliability of the entities lower in the chain never reached our customers. In a credit card transaction there are multiple parties including the issuing bank, the acquiring bank, the processor, the gateway, the card network, etc. Issuing banks in particular often return bogus error codes, time out, or have provide inconsistent results. I remember Delta SkyMiles rewards cards being particularly problematic.
And with payments there is very little margin for error because you are dealing with people's money. Customers get very upset when you cannot charge their card, and it is not helpful to try to explain that the problem is downstream (for example the issuing bank is returning bogus error codes). The worst is the dreaded "general decline"; which is when an issuing bank declines a CC transaction but doesn't tell you why.
The ACH network is even worse. There is no synchronous way to determine if an ACH transaction was actually successful. NSF errors (not sufficient funds) can come in 3 days after the initial transaction. I hope that Dwolla's planned ACH replacement actually takes off because it would be a huge improvement.
I used to work at WePay and a lot of the complex technical work we did was to make sure that the craziness and unreliability of the entities lower in the chain never reached our customers. In a credit card transaction there are multiple parties including the issuing bank, the acquiring bank, the processor, the gateway, the card network, etc. Issuing banks in particular often return bogus error codes, time out, or have provide inconsistent results. I remember Delta SkyMiles rewards cards being particularly problematic.
And with payments there is very little margin for error because you are dealing with people's money. Customers get very upset when you cannot charge their card, and it is not helpful to try to explain that the problem is downstream (for example the issuing bank is returning bogus error codes). The worst is the dreaded "general decline"; which is when an issuing bank declines a CC transaction but doesn't tell you why.
The ACH network is even worse. There is no synchronous way to determine if an ACH transaction was actually successful. NSF errors (not sufficient funds) can come in 3 days after the initial transaction. I hope that Dwolla's planned ACH replacement actually takes off because it would be a huge improvement.