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Point of Sale Solution Back Office Fraud Management

October 30, 2025

Description

How to view, accept or reject transactions that have been pended due to fraud management rules

What's in this article?

Software Plan: Basics | Starter | Growth | Pro
 

Fraud Management is a powerful fraud-prevention solution for small to mid-market businesses that evaluates card not present transaction data. In addition to using transaction data to generate a machine-learning fraud risk score, the platform operates via business rules and a reference list. 

Enabled with an active set of pre-configured rules, settings and model score thresholds, outcomes are generated based on your fraud business strategy. Rules may be used to accept transactions, pend a transaction for review, reject transactions, as well as monitor or force accept the transaction.

Any order flagged by fraud management rules will not appear in the Recent Orders screen in the Back Office, but will appear on the Fraud Management screen. Check the Fraud Management screen to view flagged transactions and accept or reject them.

To set up Fraud Management
  1. Log in to your Merchant Services account in Business Advantage 360 online banking. 
  2. Select Fraud Management from the left navigation.
  3. Select Fraud Settings from the dropdown list and update your general settings, temporary positive list entries and confirm your notification preferences. Email notifications will be sent to the email address used to open the account with Bank of America.
  4. On the Rule Configuration tab, select Edit Rules to manage your default rules and thresholds. Click Save when complete.
To access the Fraud Management user guides
  1. Log in to your Merchant Services account in Business Advantage 360 online banking. 
  2. Select Fraud Management > Guides from the left navigation.
  3. Available guides will display and are available for download in PDF format.

View flagged transactions

On the Fraud Management screen in the Back Office you can view the reasons why a transaction has been flagged.

To view flagged transactions

  1. In the Point of Sale Solution Back Office, select Transactions > Fraud Management.
  2. If needed, select a preset range from the dropdown list or select Custom Range to select specific dates and times. Click Apply.

    Date range options
  3. If you need to view flagged transactions under a specific order type, make a selection from the Order Type dropdown list. If you need to find a specific transaction, enter the order number in the Search field. Otherwise, all transactions for all order types appear.
  4. Click Search.

    Search button
  5. Click on the Order # you wish to view.

    NOTE: You can also click on the Preview Transaction icon for the order.

    Fraud management screen order # column highlighted
  6. Review the Fraud risk details. Accept or reject the transaction.

    Fraud Risk details for sample transaction

Accept or reject transactions

When an order is received, the customer receives a notification that the order is being processed.

Customer notification that the order is being processed.

After reviewing the fraud risk details of a flagged transaction, you can decide to accept or reject it. 

To accept a transaction


  1. View the flagged transaction on the Fraud Management screen.
  2. Click on the Order #.

    Fraud Management screen with specific order number highlighted.
  3. In the Fraud risk details section, click Accept. 

    Accept and Reject options of Fraud risk details section. Accept highlighted.
  4. A pop-up window will appear. Comments can be entered to document notes regarding your acceptance of the transaction.

    NOTE: A Settle checkbox on the pop-up window is automatically selected. Any optional comments entered will be captured in your Business Advantage 360 online banking Merchant Services account.

    Accept Order pop-up window for optional comments and Accept button.
  5. Click Accept. 
    • The pop-up message "Transaction accepted" will briefly appear.

      Sample Transaction accepted message
    • The order status will update to Closed.
    • The customer will receive a receipt notification with your business name and a link to view their receipt.

      Sample receipt notification with link to view receipt.
    • The transaction moves from the Fraud Management screen to the Recent Orders screen.

      Recent order screen with sample transaction showing closed status.

An accepted transaction will display on the Recent Orders screen. The fraud management data will not be stored in the Point of Sale Solution; it can be viewed in your Merchant Services account in Business Advantage 360 online banking. 


To reject a transaction


  1. View the flagged transaction on the Fraud Management screen.
  2. Click on the Order #.

    Fraud Management Screen with specific order number highlighted.
  3. In the Fraud risk details section, click on Reject.
    Accept and Reject options with Reject highlighted.
  4. A pop-up window will appear. Comments can be entered to document notes regarding your rejection of the transaction.

    NOTE: An Authorization reversal checkbox is automatically selected. Any optional comments entered will be captured in your Business Advantage 360 online banking Merchant Services account.

    Reject order pop-up with option comments field and Reject button.

  5. Click Reject. 
    • A pop-up message "The payment has been rejected. The order will be saved for further action." will briefly appear. 

      Sample "payment rejected" message.
    • The order status will remain as Open.
    • The customer will receive a notification that the order could not be processed.

      Customer's notification that order could not be processed.

    • The rejected order moves from the Fraud Management screen to the Open Invoices screen for you to review and take further action.

      Open Invoices screen showing the transaction that was rejected.


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