As an online marketer, you will come to experience situations where you really need to buy a product but your transaction just wont go through despite your card being valid and still active.

This problem is very common with many online merchants and it surprisingly does not affect everyone but a selected few. It can happen to you when you are trying to buy membership into Empowerment Network, Xplocial, The Wealthy Affiliate University, etc...

When this happens, all kind of thoughts are likely to run through your head and when, they overwhelm you, you simply conclude it is probably for the best & you just avoided being scam. There are those few individuals that wont simply quittrying to figure out why the merchant wont simply accept their money. You will probably go mad and start droping all sort if profanity like "just accept my money my money b!tch!!!!" Well, I know Jesse Pinkman would say something along those lines. 

Don't worry and quit just yet until you had tried some of these tips. 

First you will want to establish that the problem is not with your credit card. Call your bank or credit card company and ask them to verify that your card is still active and if they can detect any activity related to declined transactions. Also ask them about the card online purchasing limit just to make sure you stay within. 

You should also check and verify that the credit card information you entered are correct. Then contact your merchant and ask them to check and investigate. You must always contact them via their support email and live chat if they have one. You are probably not going to get much help from them but the least they can do is to delete your credit details so that you can enter them again. Also ask them to escalate the query to their technical department. Also ask them to wipe your checkout bucket clean and load it again with the product you are buying. 

If your card is still declined, then its about time to contact your merchant credit card processing company. The one you want to contact has to be provided on the checkout page by your merchant. Some of the most common credit card processing companies are Flagship Merchant Services, Merchant Warehouse, Chase Paymentech, Allied Wallet, Ignite Payments, PayPal, etc

Go to your merchants preferred credit card processing company website and head straight to their support page. You can read their FAQ page later. Look for their email & send them a quick email explaining your problem. Also start a live chat session if they have one and ask them to escalate your issue to their support page. 

You don't want to call any of these companies because you will end up losing lots of money. Calls might be redirected to call centers in India first and you will have a hard time trying to figure out the accent. 

If you have not yet exhausted your payment attempts for the day which is normally 5 times, use a different browser on the same computer to make the payment. 

If it is still declining, whip out your smartphone & try paying from two different browsers. 

If it is still declining, go to another computer on a different network like at your friends place and try paying from there. 

If none of these methods help you, the last resort will be to cancel your credit card and apply for a brand new one. 

If you have had problems with a merchant declining your credit card, use the comment section and share your experience. We might just learn a thing or two. 

I’m not really in a position to tell you what Xplocial is. All I know is that it is a multi level marketing business that has the potential to earn you a reasonably realistic residual income. They are not confined to the US, everyone in any country can join. The advantage of Xplocial over all other home based business or MLM companies out there is that you DO NOT HAVE TO SELL ANYTHING. At least that is exactly what every other person trying to recruit you into their downline will tell you.

My timeline on Twitter and Facebook have been flooded with post suggesting that they are making money in their sleep with Xplocial. Some even go as far to say join my company and I will show you how to get it like me.

The secret to succeeding in this kind of business is by building the biggest downline and you as the leader making sure that your downline keeps growing. In MLM terms, a downline is simply a list consisting of people you introduced to the business and those people they introduced.

If you signup to an MLM program, whoever introduced you becomes your sponsor. You signup you son and wife, you become their sponsor. Your wife and son both go on to introduce 3 of their friends each, hence becoming their sponsors. Their friends then go on to introduce more people to the business and the downline keep growing.

Below is a typical downline in an MLM business.

Typical mlm downline

Xplocial is divided into two membership types. There is the gold membership that cost US$29 and the Platinum going for US$54. Most people would advice you to have both gold and platinum memberships so that you can earn more money per new signup. What they are really is saying join both so that I can make more money. 

If you sign up 65 people, you will be earning yearly income of US$100 000. That is US$ 8000 per month! Imagine your earning potential should you signup 100 people…

Below is a table summarizing the fees involved

Memberrship Type	Membership Fee	Administrative Fee	Total
GOLD	USD 29	USD 24.95	USD 56
PLATINUM	USD 100	USD 54	USD 154

What they say at Xplocial is that you only need to introduce a minimum of 4 people and they should each introduce a minimum of 4 people and you would definitely in no time be earning $3000 per month. This means, get four people under your downline and help your four get their 4. This is what they mean when they say the power of 4!

According to mlmranking.com, Xplocial is ranked number 1 way above wakeupnow. Other MLM programs you probably know of or heard of are Avon, Amway, HErbalife, GNLD, Ariix, Kleeneze, Moxxor, Neways, Forever Living, Nu Skin, 5Linx, Monavie, Pur3x, TrumpNetwork, Nova Nutria, Carbon Copy Pro, Genewize, YTB Travel, etc. Xplocial is not like any other MLMs because they do not require you to sell nutritional and cosmetic products. They also give small business loan for small or startup companies to a tune of $250 000.

Larry Marcus

Xplocial was created by Larry Marcus who has been in the affiliate marketing business for over 30 years. He describes himself as the chief adventure officer of Xplocial. Note the ADVENTURE in his title, not EXECUTIVE! No one running a serious business calls themselves a CAO, its always CEO or director.

Now ask yourself, is Xplocial the home based business that will turn your life around and take you out of those huge debts? I have read the website and seen some of the awesome benefits members get to enjoy as part of both the gold and platinum membership program. but the real question is if the benefits justify the earning members are earning?

Share your thought with the rest of us in the comments section.