I am working with a community website, which offers additional benefits for a monthly subscription. People can sign up with no problem, but 10-15% of our members are being declined on the recurring payments. These seem totally random; a member will be fine for a few months, then it will decline payment. We have ruled out expiration dates and stuff like that, and the gateway processor claims that it's not on their end. They claim that each member's individual bank is declining the payments.

Is this that comes up regularly? Are there solutions? Should I just recommend to the site owner that we **** it up and switch everything to PayPal?

I'm completely at a loss as to where to look for the problem. Any advice is greatly appreciated. Thanks!