1. A new authorization (on your debit/credit card) is attempted at the point-of-sale.
2. The transaction passes through the Real-Time Authorization Settings to determine if the transaction appears to be high-risk.
3. If the transaction passes through Authorization, it's deemed “normal” for you and the transaction will continue as usual.
Possible Impact on You
- A small number of legitimate transactions will be declined until the validity of certain transactions may be confirmed.
- If the Fraud Analyst cannot contact the cardholder, a temporary block is placed on the account.
- The block stays on the account until the cardholder advises the Fraud Team to remove it.
Helpful Hints to Prevent Temporary Blocks
- Contact FedChoice prior to using your credit or debit cards for large transactions.
- Contact FedChoice before traveling abroad or going on vacation.
- Update FedChoice with any contact information such as phone numbers, email addresses, home address, etc.
Members will have the ability to opt-out from Real-Time Decisioning temporarily or indefinitely by contacting FedChoice. However, keep in mind that this service provides security features for credit and debit card use.
FedChoice is proud to offer this valuable service to all members free of charge! With Real-Time Decisioning, we can stop card fraud at the Point of Sale!