Bob's comments confirm what I've said previously. Banks use complex algorithms to determine which transactions are high risk and which ones aren't, and (for obvious reasons) only they know exactly how they work.
In the past 12 months between 3% and 4% of LostCousins subscription purchases have been flagged by our bank as high risk:
Risk Management result: WARNING
This transaction has been identified as potentially high risk. We strongly
recommend further checks before fulfilment of an order.
I routinely ignore these warnings and process the subscription purchases as normal because in 10 years there hasn't been a single occasion on which a purchase was fraudulent. But the fact that their algorithms throw up this many spurious warnings shows that they're far from perfect.
Marguerite may well be right that the change from mostly subscriptions to mostly PAYG following the launch of the 1939 Register may have confused the banks' algorithms. The response from Customer Support about only using the UK site makes sense to me - some people do use more than one Findmypast site, and this can be inadvertent (since the web address of the US site used to be the address of the UK site). Clearly this isn't what happened in Marguerite's case, but the person in Customer Support probably won't have known that.
In the past 12 months between 3% and 4% of LostCousins subscription purchases have been flagged by our bank as high risk:
Risk Management result: WARNING
This transaction has been identified as potentially high risk. We strongly
recommend further checks before fulfilment of an order.
I routinely ignore these warnings and process the subscription purchases as normal because in 10 years there hasn't been a single occasion on which a purchase was fraudulent. But the fact that their algorithms throw up this many spurious warnings shows that they're far from perfect.
Marguerite may well be right that the change from mostly subscriptions to mostly PAYG following the launch of the 1939 Register may have confused the banks' algorithms. The response from Customer Support about only using the UK site makes sense to me - some people do use more than one Findmypast site, and this can be inadvertent (since the web address of the US site used to be the address of the UK site). Clearly this isn't what happened in Marguerite's case, but the person in Customer Support probably won't have known that.