@beccadax @slava I saw this and had to laugh because years ago I helped troubleshoot a problem with card transactions breaking at a credit union and it turned out to be a ātypographic apostropheā being sent in a merchant name. Non-ASCII character and some old systems really couldnāt deal with it. We were on the processor side of this in the transaction chain and when we figured out what was going on, we were left to wonder how many (what we thought were) āsimple declinesā were actually punctuation and accent marks in cardholder and merchant names over the years. To make it more convoluted, we werenāt even the party putting the merchant name in the message, it was done by someone upstream of us.