Some Ingenico transactions are approved by the donor’s bank, get past our fraud filters, but are// then// rejected by the donor’s bank. They reach Civi and look like real donations, even though they never settle (do we really get the funds?).
I found them by searching for Status 190 transactions, and two recent examples are: 1. Ingenico Order ID 4010135034 from cid=51163817, and 2. Ingenico 4010140171 from cid=50378878. We have seen 35 this year, all from JCB cards in Japan, and a total of 11 in 2019-20, but 120 in 2018, from a mix of card types.
This is not a huge volume of transactions, so I will leave the prioritization to the wider group of stakeholders, but I wanted to flag this as it looks like a type of not-real donations in Civi. I can put the spreadsheet of transactions on the server if it would be helpful. {T202783} seems related to how the recurring donation flow handles these, but the older ones I have spot-checkd included one-time donations as well.