If Divvy notices a suspicious transaction on your card, you will receive a notification so you can take action. Tap the notification to view details of the transaction and select if it was fraudulent or not.

If our team has a low confidence level that the transaction is fraudulent, we will decline the transaction and allow you to review it. If our team has a high confidence level that the transaction is fraudulent, we will freeze the card to prevent additional transactions.

View the steps for reviewing unusual transactions.


Declined Transaction

  1. If our team has a low confidence level that the transaction is fraudulent, we will decline the transaction [1].

  2. If the transaction was not made by you, tap the No, It's Not Me button [2]. If the transaction was made by you, tap the Yes, It's Me button [3].

    View Declined Transaction

  3. If you selected the Yes It's Me option, you can try your purchase again.

    Retry Purchase

  4. If you selected the No It's Not Me option, you can either cancel your card [1] or freeze your card [2]. You may want to cancel the card if you suspect fraud and want a new card. You can freeze your card if you are unsure about the transaction and need time to review it.

    Cancel or Freeze Card

  5. If you select the option to cancel your card, follow the steps to cancel your card and order a replacement card.

    Note: While waiting for your new card to arrive, you can also create a virtual card and add that card to Apple Pay or Google Pay. You should also update vendors with your new card details to avoid unintended declines.

Frozen Card

  1. If our team has a high confidence level that the transaction is fraudulent, we will decline the transaction and freeze the card [1].

  2. If the transaction was not made by you, tap the No, It's Not Me button [2]. If the transaction was made by you, tap the Yes, It's Me button [3].

    View Decline with Frozen Card

  3. If you selected the Yes It's Me option, you can try your purchase again.

    Unfreeze Card

  4. If you selected the No It's Not Me option, you can either cancel your card [1] or freeze your card [2]. You may want to cancel the card if you suspect fraud and want a new card. You can freeze your card if you are unsure about the transaction and need time to review it.

    Cancel or Freeze Card

  5. If you select the option to cancel your card, follow the steps to cancel your card and order a replacement card.

    Note: While waiting for your new card to arrive, you can also create a virtual card and add that card to Apple Pay or Google Pay. You should also update vendors with your new card details to avoid unintended declines.


If you have additional questions or need help with using Divvy, please view our other Help Center articles or contact the Divvy Support team.

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