Z1 | Fraud review
This code indicates the transaction or account activity was routed into a fraud review workflow before it can proceed.
What This Code Means
Z1 is a risk-status code that signals the system flagged an item for fraud review. In banking and payment environments, fraud review typically means the transaction or activity triggered risk signals that require additional screening or confirmation before approval, posting, or settlement. This is not necessarily an accusation of wrongdoing; it is a control state that prioritizes safety and loss prevention. A fraud review status can apply to a single transaction, a series of transactions, or broader account activity depending on how the platform scopes its controls. The code communicates that automated processing is paused or restricted while the item is evaluated.
Where Users Usually See This Code
- Transaction detail views showing “under review” or similar status
- Back-office risk dashboards monitoring flagged payments or transfers
- Processor or bank logs for transactions routed to risk queues
Why This Code Appears
- Risk rules detected unusual transaction patterns or attributes
- The transaction matched known fraud signals or screening criteria
- Account activity triggered velocity or anomaly thresholds
- Additional confirmation is required under risk policy
What Typically Happens Next
- The transaction may remain pending or on hold while review occurs
- The system may restrict completion until a review outcome is recorded
- The status may later change to approved, declined, returned, or reversed depending on final processing outcome
What This Code Is Not
- It is not a confirmed fraud determination
- It is not an issuer unavailability or technical outage code
- It is not a funds-availability statement
Troubleshooting Checklist
- □ Review the transaction record to confirm whether it is marked as on hold or pending
- □ Check whether multiple transactions are affected or only one item
- □ Avoid assuming the transaction will complete until it reaches a terminal status
- □ If the review persists or blocks critical activity, use the official support channel for status clarification
Notes And Edge Cases
Fraud review workflows can be triggered by transaction context, device signals, location changes, or atypical amounts. Some platforms apply fraud review only to the transaction, while others temporarily restrict account-level actions until review completes. Reviews may be automated or human-in-the-loop depending on platform design. The code does not provide timing guarantees; review duration depends on queue load and policy thresholds.