Suspected Fraud
What it means
The issuer or acquirer suspects the transaction is fraudulent and has declined it.
Why it happens
Risk checks flagged the transaction as likely fraudulent based on patterns, location, or a high fraud score.
If you’re the cardholder
Contact your issuer to verify the transaction is legitimate before trying again.
If you’re the merchant
Do not retry; present a generic decline and avoid disclosing the fraud reason.