Abstract: Enhanced payment card account methods and systems. In an embodiment, a fraud scoring platform receives purchase transaction information and an associated decline decision generated by an issuer financial institution (FI) for a purchase transaction involving an enhanced payment card account. The fraud scoring platform then formulates a recommended decision score, determines that it is below a risk threshold, and transmits a purchase transaction authorization message to a payment network. Later, the fraud scoring platform receives a fraud message that the authorized purchase transaction of the enhanced payment card account is fraudulent, and then transmits instructions to transfer a monetary amount from a fraud expense pool to reimburse the issuer FI for costs associated with the fraudulent purchase transaction.