Donor's card being marked as fraud

[taramiller]

Hello, we had a donor attempt to purchase a ticket to our fundraising event yesterday three separate times, and each time his card was declined and marked as Fraud. He has checked with his bank and his card is fine - there should be no flag on it. This is a known donor to us, and the information he entered for himself is correct. Can you help us figure out why this happened?

His last name is Carr and the last 4 digits of his card are 1757.

Also, I called in to live customer support today and was told that the fraud flag has been removed from his card. Can you please confirm?

[CnP.Support]

Good day taramiller

Please include your C&P Account Number with each post as it will help us identify your organization.

[taramiller]

Sorry about that. Our account number is 27336.

[CnP.Support]

Good day taramiller

I reviewed the transaction and see why it has been caught as fraud. Please note that we do NOT know which transaction is from people that you know or you do not know. Our fraud algorithm follows over 200+ parameters and scores a transaction based on its attributes. This transaction was caught as possible fraud and was not even posted to the bank and was caught prior to the post.

Nonprofits are victims of fraud on a daily (& continuous) basis. Hackers constantly process stolen credit cards against donation sites given they provide real-time authorization. If we were to post all attempts to the bank you may face huge financial liability. An example from today alone- an organization received over 50K fraud donations - if we had posted them to the bank the organization would have faced $0.35 in authorization fee for 50,000 transactions - that is $17,500 just in authorization fees. We have to make sure that fraud does not adversely affect you. If a bank receives an order they will charge for the authorization and that is outside our scope.

Fraud analysis is not an absolute science, and just like all sciences it is an approximation with possible false positives. We are sorry for the inconvenience but our measures are for your protection as much as we love to process every transaction.

Of course you always have the option to disable the fraud and accept 100% liability for fraud- something we do NOT recommend.

The fraud block on this card holder is currently removed from the system. Please let us know if we can be of more help.