This rule detects potentially fraudulent manual card entry transactions where security features like chip/contactless are deliberately bypassed.

System flags when:
1. Transaction is manually keyed (entry mode indicates no card present)
2. Transaction amount is high-value (category-specific thresholds)
3. Merchant has card-present processing capability (not e-commerce)

Manual entry on high-value transactions is suspicious because:
- Bypasses chip security and card verification
- Common in card-not-present fraud using stolen card numbers
- May indicate merchant collusion with fraudsters
- Could be counterfeit card that failed chip authentication
- Higher chargeback risk due to reduced authentication

Transaction placed on HOLD for:
- Verification that manual entry was necessary (damaged card, etc.)
- Merchant contact to confirm transaction legitimacy
- Cardholder authentication
- Review of merchant manual entry patterns