Keyed & Manual Transaction Review
Why are keyed transactions increasing?
Manual or keyed card activity can change processing cost, dispute exposure, and payment behavior visibility.
CertumCore reviews keyed/manual transaction visibility as part of payment operations review, especially when transaction handling changes across periods.
The point is not to shame manual entry. The point is to understand when behavior changed and what it costs.
What keyed transaction review can identify
- manual/keyed transaction share
- card-present versus card-not-present behavior
- workflow sources of manual entry
- fee movement tied to transaction handling
- dispute or fraud visibility concerns
- processor statement evidence of transaction mix
Why transaction path matters
Payment cost and operational risk can change when transaction behavior changes. Card-present, keyed/manual, online, invoice, and stored-payment workflows may be treated differently by processors.
CertumCore reviews the transaction path evidence available in processor records and related summaries.
What CertumCore provides
- a baseline view of keyed/manual activity
- plain-language visibility into transaction handling
- review of fee movement tied to transaction mix
- follow-up guidance where operational workflow may need correction
Frequently asked questions
Are keyed transactions always bad?
No. Some keyed activity is legitimate. The review focuses on visibility, proportion, cause, and whether the behavior appears normal or has changed.
Does CertumCore need raw card data?
No. CertumCore does not need full card numbers or raw cardholder data for this review.
Request a review
Email a recent processor statement, settlement report, fee summary, screenshot, or rough monthly numbers. CertumCore can usually begin with one statement.
Request Keyed Transaction Review