Picture this: It’s Black Friday. Your online store is popping off. Customers are throwing money at you faster than my aunt throws shade at family reunions. Then— boom —the dreaded spinning wheel of doom. “Payment declined.” Not because Karen’s card is maxed out on pumpkin-spice everything, but because your payment processor decided today was the perfect day to take a coffee break… for six hours. Congratulations. You just lost $3,472 in sales, three dozen angry emails, and wh