Spend Dynamics provides Department Card Coordinators (DCC’s) the ability to view declined transactions for associated cardholder accounts for their department(s).
Reason for decline | Explanation | Required Action |
Exceeds Merchant Category Code Limit |
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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 |