"Handle a Declined Card Without Creating a Second Payment Problem"
"Source","https://bluefinchadvisors.com/blog/dual-pricing-declined-card-uncertain-payment-recovery"
"Basis","User-entered planning records. Filled fields do not establish completion, approval or compliance."

"Internal invoice reference","Original attempt and checked time","Verified provider state","Provider-approved next action","Approved price and method reference","Owner and resolution evidence","Missing required fields"
"Fictional wrap W-31","Attempt A, 14:10 review","Unknown, not confirmed decline","Investigate original attempt","Approved estimate v3","Advisor assigned, no second collection","None"

"Use this worksheet"
"Starting values are fictional examples, not merchant or customer records."
"Check the source record before marking a step complete. Unknown is not approval."
"This manual worksheet does not connect to a provider or make account changes."
"Export to approved storage before leaving the page."

"Sources"
"Stripe: decline codes and provider-specific next steps","https://docs.stripe.com/declines/codes"
"Visa: cash-discount display and credit-card surcharge distinctions","https://usa.visa.com/dam/VCOM/global/support-legal/documents/merchant-surcharging-qa-for-web.pdf"
"BlueFinch: actual online-payment features and activation limits","https://bluefinchadvisors.com/toolbox/online-payments"