About Ineligible Transactions
Certain types of transactions are vulnerable to abuse for the purpose of maximizing PLU Rewards and, to safeguard the rewards pool, preventive measures are implemented to address potential abuse cases. Our aim is to prevent the creation of loops where funds are circulated and rewards are farmed without genuine spending.
To determine which transactions qualify for PLU Rewards, we employ an algorithm and conduct manual reviews through our anti-fraud team. Although we cannot disclose the exact specifics for security reasons, here is a general outline of the process:
Automated checks: An algorithm assesses card transactions to determine if a reward should be generated.
Factors considered include the transaction type, whether the user has reached the rewards limit, the transaction category (cross-referenced against a list of prohibited MCCs), and the transaction description (cross-referenced against a list of prohibited keywords).1
Verification within the 45 days of approval: Rewards remain in the "Pending" status until the 45th day.
- During this period, a member of the Anti-Fraud team may reject a reward if it is deemed fraudulent or requires further verification.
- You can contact Support to appeal such rejections, and in some cases, Support may proactively request proof of purchase from you.
- Proof of purchase refers to the ticket or receipt of the original transaction.
- Verifications After Initial Approval: Over time, we continuously enhance our detection systems for greater accuracy.
- Any rewards that were mistakenly approved due to gaps in the detection systems can be automatically removed.
- Once identified, accounts found to have exploited these gaps in the detection systems may face suspension.
Please note that the detection and prevention mechanisms are periodically updated to strengthen the security and integrity of the rewards program.
