Which of the following is NOT considered a red flag of a fraudulent payment card transaction?

The choice that is not considered a red flag of a fraudulent payment card transaction is a customer buying a small number of expensive items at one time. While high-value purchases can certainly raise concern, the quantity of items purchased does not inherently indicate fraud.

In assessing potential fraud, the nature of the transaction, customer behavior, and additional context play critical roles. When a customer makes a small number of high-value purchases, it may simply reflect their purchasing preferences or a legitimate need. On the other hand, situations like a customer unable to provide identification, insistent behavior regarding delivery for high-ticket items, or charging numerous expensive items to a newly issued card typically exhibit patterns that are more often associated with fraudulent activities.

Those other behaviors can suggest evasion, urgency, or a lack of verification that might imply the cardholder is not the legitimate owner of the payment method, elevating the risk of fraud. Thus, while thorough vetting of all transactions is essential, the specific choice of a small number of expensive items does not inherently signal fraudulent intent.