In order to determine if a transaction is fraudulent, LO first has to create a constituent record so the information can be sent to the merchant account. I propose making a product change so that the system not create an *active* constituent record.

Why? Active constituent records sync over to other database systems (offline CRM, mobile vendor, etc.) AND active constituent records receive email. When the data is bad, such as via a carding run, it takes staff time to identify said records, and then remove/clean the data across mulitple systems. If not addressed, it can have negative downstream effects, such as impacting email deliverability and inflating direct mail costs.

This issue impacts organizations large and small. Large organizations sometimes are able to dedicate the resources to clean the data; small most often are not.