Radar blocked a charge, but the business is confident it is not fraud. What should they do?

Radar blocked a charge, but the business is confident it is not fraud. What should they do?

• A. Add the customer to the allow list temporarily and ask them to retry payment
• B. Cancel the order and refund
• C. Request a manual review from the card issuer
• D. Ignore the block and proceed with the charge

Answer: (A)

When Radar blocks a charge, it’s Radar flagging potential fraud on that payment. If you’re confident the transaction is legitimate, the right move is to temporarily whitelist the customer or their card and have them retry the payment. Adding them to the allow list tells Radar to skip risk checks for that source for a short period, so the customer can complete the purchase without you losing the sale. This keeps the security net in place for other transactions while addressing an apparently safe one. Canceling the order and refunding throws away the sale and creates extra work. Ignoring the block and proceeding isn’t advisable because Radar’s risk decision still applies, and attempting the charge could fail or resemble ignoring fraud controls. Requesting a manual review from the card issuer can take longer and isn’t the quickest path to resolve a legitimate block; using an allow list to retry is the practical, faster approach.

When Radar blocks a charge, it’s Radar flagging potential fraud on that payment. If you’re confident the transaction is legitimate, the right move is to temporarily whitelist the customer or their card and have them retry the payment. Adding them to the allow list tells Radar to skip risk checks for that source for a short period, so the customer can complete the purchase without you losing the sale. This keeps the security net in place for other transactions while addressing an apparently safe one.

Canceling the order and refunding throws away the sale and creates extra work. Ignoring the block and proceeding isn’t advisable because Radar’s risk decision still applies, and attempting the charge could fail or resemble ignoring fraud controls. Requesting a manual review from the card issuer can take longer and isn’t the quickest path to resolve a legitimate block; using an allow list to retry is the practical, faster approach.