Suspect Transactions

Blackbaud Merchant Services automatically flags transactions as suspect when they meet specific criteria, such as when:

  • The transaction comes from a questionable IP address

  • The transaction amount exceeds $10,000

  • Multiple identical transactions are made with the same credit card within a short amount of time

While Blackbaud Merchant Services disburses funds to your account as normal, you should review them regularly. For example, if you determine a suspect transaction is fraudulent, you can issue a refund to the card holder to avoid chargeback fees.

Note: To help prevent fraudulent activity, Blackbaud Merchant Services automatically marks transactions of $10,000 to $50,000 as suspect and declines transactions that exceed $50,000. To process large transactions, we recommend you routinely check for suspect transaction activity and submit transactions greater than $50,000 as multiple smaller transactions.

To view and manage transactions flagged as suspect, from Transactions, select Suspect transactions. From the list, you can view details about each transaction — such as the reason it was flagged as suspect — and choose whether to accept or refund it.

Tip: Don't see this option? Contact your system admin for rights to manage suspect transactions.

To accept or refund a suspect transaction — or to view more details — from the list, select the transaction's menu.

  • • To remove the suspect flag for a transaction you determine is valid, from its menu, select Accept.

  • • To refund a card holder for a transaction you determine is fraudulent, from its menu, select Refund. For more information, see Refund a transaction.

  • To view more details to help determine whether to accept or refund a suspect transaction, from its menu, select Details. For more information, see Transaction Records.

Tip: To receive an email when Blackbaud Merchant Services flags a transaction as suspect, subscribe to email notifications. For more information, see Notifications.