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Seamless ACH hard kills are not Spreedly hard kills

How to run thisPayments3 steps
CalculatorSeamless hard-decline share · Calculator lives in the articleOpen

Open one SeamlessChex ACH / card decline seat. Count hard ACH/card codes. Divide by the whole decline pile. The quotient × 100 is SC hard-decline %.

Pair: Hard-decline share on Payments. Vault twin: Spreedly hard. Soft twin: Seamless soft.

Seat fields

Hard ACH/card codes — Seamless ACH / card declines the seat marks do-not-retry / hard.

Whole decline pile — Soft plus hard Seamless declines in that same seat window.

SC hard-decline % = hard ACH/card codes ÷ whole decline pile × 100. A high SC hard-decline % means that Seamless seat is burning ACH/card declines that will not retry — move volume or fix the offer; leave blank chips alone.

Guardrails

Skip inventing SC hard-decline %. Skip parking soft-only codes in the hard count. Skip dumping a Spreedly vault or Authorize.net gateway file into Seamless fields. Skip merging seats when one Seamless MID owns the hard mix.

Related: Payments, Spreedly hard, Seamless soft, same-day ACH fail.

Procedure

  1. Type hard declines and all declines.
  2. Read SC hard-decline %.
  3. Cut hard burns when SC hard-decline % is material.

Failure modes

  • Inventing SC hard-decline %.
  • Loading soft-only counts into the hard pile.
  • Folding Spreedly decline rows into Seamless boxes.

Worked example

None on this page yet. When one lands it will be a real case: what broke, the number, and what changed. Not a composite.

Glossary

SC hard-decline %
Terminal do-not-retry lines ÷ every decline line × 100 on one Seamless decline book.

Work with us — We run this job on your accounts. Services

FAQ

Is this Spreedly hard-decline share?
ACH / card seat vs Spreedly vault. [Hard-decline share](/manuals/spreedly-hard-decline-share) stays on Spreedly. Hard / pile totals never leave Seamless here.
Is this Seamless soft-decline share?
Hard pile vs retryable pile. [Soft-decline share](/manuals/seamless-soft-decline-share) stays on soft codes. This page only scores hard ACH/card codes over the whole Seamless decline pile.
What SC hard-decline % should I invent?
None. Source hard ACH/card codes and the whole decline pile from the same SeamlessChex seat.