2 ms·
> How do you know this, does Wise provide auth response data? Usually, for each transaction, wise gives a small type details, such as * manual entry: when I m
by n_ary 2y ago
> How do you know this, does Wise provide auth response data?
Usually, for each transaction, wise gives a small type details, such as
* manual entry: when I manually type in all details on a form
* saved-detail: when I preauthorized some vendor or processor to perform txn without further interactions(think quick checkout using paypal)
* apple/google pay: when card is preauthorized in such
* chip and pin: means I entered the card physically on a machine and entered PIN
* contactless: means an NFC tap pay directly
Usually, all manual entry raises a notification and all the fraud charges were manual entry minus the notifications(immensely unusual unless I used the card with that vendor before frequently) on very random places in matter of days(one in California, followed by one in Tokyo). Then next time two in India followed by one in Vietnam. Then next week two in Malaysia followed by one in Bulgaria. And then several more.
While I freaked out because these vendors were entirely unknown to me and my card were all frozen with no funds in balance, the lack of notification and the charges in pattern(first $10, followed by $100 and then $500 or $250) were very odd.
- quesera 2y agoYep that's a classic fraud pattern. The issuing bank (Evolve?) should have flagged the card after the second or third txn attempt. It sounds like multiple layers of risk controls failed here. I'm glad you didn't lose any funds, I'm sure others were not as fortunate/careful as you!