How can I view a PCardholder’s recently declined transactions?

Spend Dynamics provides Department Card Coordinators (DCC’s) the ability to view declined transactions for associated cardholder accounts for their department(s).

From the Spend Dynamics home screen, go to Administration > Overview > Account Management.
Ensure Account is selected as the Report Mode, insert the last 4 digits of the card under the Account Number, change the Account Status to Open, select Account Listing, then click Search
Select the hourglass icon to view the cardholder’s non-posted transactions.
Hover over the declined symbol to view the reason for the declined transaction.

Commonly Declined Transactions

Reason for decline	Explanation	Required Action
Exceeds Merchant Category Code Limit	Item related to a prohibited Merchant Category Code (MCC) Purchase exceeds card transaction limit	Confirm with cardholder transaction is legitimate, then complete Block Lift Request form Complete PCard Change Request form to increase transaction limit
Exceeds Corporate Card Monthly Limit	Insufficient credit in account	Complete PCard Change Request Form to request a larger monthly limit for cardholder
Chip Required / Transaction Restricted	BMO blocks online transactions where IP address linked to supplier’s payment terminal is located in a foreign country	Email purchasing.help@utoronto.ca with screenshot of declined transaction
Account / Card Blocked or Card Compromised	BMO has placed a temporary block on cardholder’s account due to suspected fraudulent activity	DCC provides cardholder with screenshot of recent transactions, then cardholder calls BMO using then number on the back of their PCard
Chip Required / Transaction Restricted	BMO blocks online transactions where IP address linked to supplier’s payment terminal is located in a foreign country	Email purchasing.help@utoronto.ca with a screenshot of declined transaction
If the reason for decline is not listed in this table, email purchasing.help@utoronto.ca

Last Updated: September 13, 2022