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Fraud Suppression Request & Policy

Fraud Suppression Override Policy & Workflow (Internal)

Effective Date: [Insert Date]
Applies To: Snap! Spend / Snap! Mobile

1. Purpose

This policy governs requests to temporarily override fraud suppression or fraud monitoring controls on issued payment cards.

Fraud suppression overrides introduce increased financial, regulatory, and reputational risk. Requests are only considered under strict conditions and approval processes.

2. Policy Overview

  • Fraud controls exist to protect both the cardholder and the Company
  • Overrides are not guaranteed and are reviewed case-by-case
  • The Company may deny any request at its discretion
  • Overrides are intended for exceptional cases only (e.g., travel-related transaction disruption)

3. Risk Summary

When fraud suppression is overridden, the following risks apply:

  • Reduced fraud protection
  • Increased likelihood of unauthorized transactions
  • Potential loss of dispute/chargeback rights
  • Financial liability may shift to the cardholder/club

4. Requirements for Consideration

All of the following must be completed before moving forward:

  1. Written request from the cardholder
  2. Signed Cardholder Consent Agreement
  3. Signed Club Consent Agreement (if applicable)
  4. Internal legal or executive approval
  5. Confirmation from issuing partner (Unit)

5. Duration Limits

  • Maximum override window: 48 hours
  • Must include explicit start and end times
  • No extensions without new approvals and signed agreements

6. Liability Terms

If approved:

  • The cardholder assumes full responsibility for all transactions during the override period
  • The Company is not liable for:
    • Unauthorized charges
    • Fraud losses
    • Disputes or chargebacks
    • Network penalties

7. Default Position

If requirements are not fully met → request is denied

🔁 Internal Workflow (Step-by-Step)

Step 1: Customer Inquiry

Club reaches out to Support requesting fraud suppression (typically for travel).

Step 2: Support Response (Set Expectations)

Support must clearly communicate:

  • Risk involved
  • Liability shift
  • Required agreements
  • Timeline requirements

Use this when a club asks about fraud suppression:

Hi [Name],

Happy to help with this!

We can request a temporary fraud suppression for your card while traveling, but there are a few important things to be aware of:

  • During this period, fraud protections are reduced
  • Any transactions (including unauthorized ones) would be fully your responsibility
  • This may impact your ability to dispute or charge back transactions

If you’re comfortable proceeding, here’s what we’ll need:

  1. Signed Cardholder Consent Agreement
  2. Signed Club Consent Agreement
  3. Your requested 48-hour window (start/end time)

Once we have those, we’ll submit the request to our banking partner (Unit) for approval.

📌 We recommend submitting everything at least 2 days before travel to ensure enough time for processing.

📄 Consent Forms

When a fraud suppression request is initiated:

📁 File Naming Convention (Required)

Once completed and returned, save files using the following format:

  • Club Consent Form:
    Club Name – Fraud Suppression Consent Form.pdf
  • Cardholder Consent Form:
    Cardholder Name – Club Name – Fraud Suppression Consent Form.pdf

Step 3: Collect Required Documentation

Before proceeding, ensure:

  • ✅ Cardholder Consent Agreement signed
  • ✅ Club Consent Agreement signed
  • ✅ Travel dates + requested suppression window confirmed
  • ✅ Card details collected (last 4 digits, account context)

📌 Important:
All documents must be attached to the support ticket before proceeding

Step 4: Timing Requirement

  • Forms should be received at least 2 days prior to travel if possible
  • If not → set expectations of possible denial

Step 5: Internal Approval

  • Confirm with manager before submitting 

Step 6: Submit to Banking Partner

Submit request via Slack to Unit with:

  • Club name
  • Account number
  • Card last 4
  • Start date/time
  • End date/time
  • Confirmation agreements are signed

Step 7: Confirmation & Tracking

  • Wait for Unit approval
  • Update support ticket
  • Notify customer of status


See linked form