Suspect Transactions

Blackbaud Merchant Services automatically flags transactions as suspect when they meet specific criteria. Transactions flagged as suspect help avoid costly fees associated with potentially unnecessary transactions. Examples of suspect transactions include a questionable IP address or multiple, identical transactions from the same credit card within a short amount of time. Blackbaud Merchant Services does not disburse funds from a suspect transaction until you approve it. To view suspect transactions, select the Suspect charges tab on the Reconcile transactions and disbursements page in Treasury. Use the Gateway ID field to display transactions associated with a specific gateway ID or all gateway IDs. After you specify filter criteria, select Apply to update the page.

On the Suspect charges tab, the transactions that Blackbaud Merchant Services has flagged as suspect appear. For each transaction, you can view its date, card holder, account, amount, as well as the reason for its suspect status and the gateway ID.

From the tab, you can select whether to approve or refund each transaction. To help determine whether to approve or refund a suspect transaction, you can access details about the transaction.

To view gateway details, select the double arrows next to a transaction to display an action bar. On the action bar, select Gateway details.

On the Gateway details screen under Transaction, you can view information to help determine the validity of the transaction. Review the credit card used for the transaction, including the card holder, card type, the last four digits of the primary account number, and the expiration date. You can also view additional information about the transaction, such as the applicable rate and fee, its net amount, and whether it was or can be disbursed. When disbursement details are available for the transaction, you can select the disbursement link to access a Disbursement Summary Report provided by Blackbaud Merchant Services. Under Result Details, review the processing result for the transaction, such as whether it was approved, as well as the code and reference number associated with the result. Under Suspect Transaction Details, review when and why the transaction was flagged as suspect. Select OK to return to the Suspect charges tab.

If you determine that a suspect transaction is a valid transaction, you can approve the transaction. When you approve a transaction, it returns to Blackbaud Merchant Services for processing. To approve a transaction, select Approve on the action bar. When a message appears to ask whether to approve the transaction, select Yes.

If you determine that a suspect transaction is fraudulent , you can refund it to the card holder which cancels that transaction.