This has been discussed many times. yes APT reject ~30% of all attempted transactions for customers signed up, and that increases to approx 50% for first time customers.
pigs, mado have constantly said APT sign up any bum and allow them to spend $. This simply is not true.
APT use
"proprietary real-time Repayment Capability Check"
details of the measures are unavailable but im sure mado/pigs would promote that the check is a flip of a coin rubbish.
ive added a couple of screenshots where 30%/50% rejection rates are mentioned..
one is from apt own report,
one is from submission to the senate economic references committee
![https://hotcopper.com.au/data/attachments/3414/3414104-0e3afae7f0a8ba02919e4b1820ac7b6d.jpg](https://hotcopper.com.au/data/attachments/3414/3414104-0e3afae7f0a8ba02919e4b1820ac7b6d.jpg)
![https://hotcopper.com.au/data/attachments/3414/3414107-d42501e012a96c4c8638d7aeab776fb4.jpg](https://hotcopper.com.au/data/attachments/3414/3414107-d42501e012a96c4c8638d7aeab776fb4.jpg)