This upgrade/extension, handles nochex declines.
I was fed up of having people leave my website and then been declined by their bank and not having my website updated with the fact.
So this module should handle that scenario.
You need to over write the apc handler file and the nochex_apc.php in modules/payments/.
Un-install the module and then re-install, you will have a new status option for declines.
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