---
title: "Suspicious payment check RCS template (transactional)"
description: "Let customers confirm or block a flagged card payment in one tap with this RCS fraud alert. Placeholders, suggested replies, SMS fallback tips and 3 versions."
canonical: "https://omnichannels.ai/templates/bank-fraud-check/"
language: "en"
updated: "2026-10-10"
publisher: "BroadNet Technologies"
brand: "OmniChannels.ai"
---

# Suspicious payment check RCS template (transactional)

Canonical: https://omnichannels.ai/templates/bank-fraud-check/
Language: en
Publisher: OmniChannels.ai by BroadNet Technologies

Trigger it when your fraud engine pauses a payment that looks unusual. Customers answer with a tap instead of calling, so genuine purchases go through quickly and fraudulent ones are stopped.

- Channel: RCS
- Traffic type: Transactional
- Industry: Banking and finance
- Use case: Account and status alert
- Characters: 120 · Encoding: GSM-7 · SMS segments: 1

```text
Did you just try to pay [Amount] at [Merchant]? We have paused this payment to keep your account safe. Please confirm below.
```
Buttons: Yes, it was me | No, block my card

## Variables explained

| Variable | What it is | Example |
|---|---|---|
| `[Amount]` | Amount of the paused payment, with currency | USD 1,250.00 |
| `[Merchant]` | Merchant name from the authorisation request | ElectroHub Online |

## Category and compliance notes

Transactional RCS: send from a verified brand agent; phones without RCS need an SMS fallback, so keep a short plain-text version ready.

## Variations

### With card and time

```text
Did you just try to pay [Amount] at [Merchant] with your card ending [1234] at [Time]? We have paused it to protect you. Please confirm.
```
Buttons: Yes, it was me | No, block my card

### With call option

```text
We have paused a payment of [Amount] at [Merchant] because it looked unusual. Was it you?
```
Buttons: Yes, it was me | No, block my card | Call the bank

### New device sign-in

```text
Did you just sign in to the [Bank] app from a new device in [City]? If not, we will lock access straight away.
```
Buttons: Yes, it was me | No, lock my account

## How to use this template

1. **Copy the text:** Copy the message and its suggested replies.
2. **Build the rich message:** Add an image, card or carousel and the suggestions in the RCS card builder.
3. **Prepare the SMS fallback:** Keep a plain-text version for phones without RCS, with the same opt-out where needed.
4. **Send from a verified agent:** Send through a verified RCS brand agent, with automatic fallback to SMS.

## Related templates

- [Card transaction alert SMS template (transactional)](https://omnichannels.ai/templates/bank-card-alert/)
- [Test results ready WhatsApp template (utility)](https://omnichannels.ai/templates/health-results-ready/)
- [Application received WhatsApp template (utility)](https://omnichannels.ai/templates/gov-application-received/)
- [Transaction verification code SMS template for banks (OTP)](https://omnichannels.ai/templates/bank-otp-sms/)
- [Verification code WhatsApp template for banks (authentication)](https://omnichannels.ai/templates/bank-otp-whatsapp/)
- [Credit card payment reminder WhatsApp template (utility)](https://omnichannels.ai/templates/bank-card-due/)

[Browse the template library](https://omnichannels.ai/tools/message-templates/)