Nowadays, people no longer travel without a mobile device or a credit card. Unfortunately, one or the other may be compromised. Whether through a data breach, system/network attack, or card skimming, credit cards have a high chance of being hit with identity theft. The good news is that Comdata’s A&N program allows cardholders to continue using their card, even if it has been compromised, with help from their mobile device.
If Comdata’s risk system identifies a suspicious transaction, the cardholder will receive an alert via text message. Your cardholder can reply confirming whether or not the transaction was fraud. If they confirm fraud, the card will go into a locked-down state and each additional transaction will be declined. However, the cardholder will receive a text message with each declined transaction allowing them to override the declined authorization. If overridden, they can swipe their card again and continue the transaction as normal. If the cardholder receives a declined alert they don’t recognize, there’s no need to respond as the transaction was not authorized.
In addition, cardholders can also receive a text message if their card is declined for non-fraudulent reasons, such as a PIN/ID number being entered incorrectly. In these cases, the cardholder can correct the error and rerun the transaction. Contact a Comdata Representative to set up your account for access to A&N today.