If a member scheduled a transaction and it did not go through, sign into Payrailz and find the transaction under “Transaction History”.

Click on the payment to expand it, and you should see a “fraud score”. These are all the scores a payment can receive:

• 0-29 = Anything in this range will be automatically scheduled. These are considered very low risk. 
• 30-54 = “On Hold”. Accounting has 45 mins to manually review the transaction. If no action taken, payment will be sent after 5 PM.
• 55-69 = “Out of Time”. Accounting must go in and review the transaction, otherwise it will be automatically cancelled after 45 minutes. If approved manually, does not apply.
• 70-79 = Very suspicious and is automatically cancelled.
• 80-100 = Highly suspicious. It not only cancels the transaction immediately, but it also suspends the payer.

If a payment has a fraud score of 30 or higher, you will need to email Accounting@oregonianscu.com to find out why the transaction was denied. This is a role that Accounting splits, so we do not need to reach out to one specific representative.