Every card payment is screened by our fraud checks before it's charged. On top of that, Settings → Risk gives you a handful of rules, each a single control with a plain sentence, plus automatic refunds for pre-dispute alerts. Owners and admins can change the rules, and the owner sets automatic refunds; rules apply to new payments.
Payment rules
| Rule | What it does | Setting |
|---|---|---|
| Block cards from selected countries | Payments with cards issued in the countries you choose are declined. | Up to 50 countries, by where the card was issued. |
| Require 3D Secure above an amount | Customers confirm larger payments with their card issuer, which usually makes the issuer, not you, responsible for fraud disputes on them. | An amount from $0.00 (every payment) up to $1,000,000.00. |
| Maximum amount per payment | Card payments over this amount are declined. | An amount from $1.00 to $1,000,000.00. |
| Block high-risk payments | Payments our fraud screening scores as risky are declined before the card is charged. | How strict: see the levels below. |
High-risk levels
“Block high-risk payments” declines payments by the 0–100 risk score our fraud screening gives each one:
- Only the riskiest payments (score 90 or more)
- High-risk payments (score 75 or more)
- Elevated and high risk (score 60 or more)
3D Secure
With “Require 3D Secure above an amount”, customers confirm larger payments with their card issuer, usually in their banking app. That usually makes the issuer, not you, responsible for fraud disputes on those payments. Set the amount to $0.00 to ask for it on every payment.
Automatic refunds for pre-dispute alerts
Card networks sometimes warn us that a customer is about to dispute a payment. A refund before the dispute is opened avoids the dispute. The owner can turn on automatic refunds in Settings → Risk with a limit from $1.00 to $10,000.00 (we suggest $100.00).
- Only alerts nobody on your team has acted on, that are still open, are refunded.
- The payment must be refundable and untouched: never a second refund, never a payment already refunded or disputed.
- Both the payment and the amount the issuer reported must be at or under your limit.
- It is always a full refund, and you receive
payment.refunded.
Refund approvals
In Settings → Team & approvals, set an approval limit (up to $1,000,000.00). Refunds above it, made by anyone but the owner, wait in Orders until the owner approves or declines them, and the owner is notified. With no limit there is no approval step.
Disputes
When a customer disputes a payment you receive dispute.opened, the payment's status becomes disputed and dispute.status tracks it: needs_response, under_review, then won, lost or closed, with dispute.closed when it's decided. Respond from Disputes in the dashboard; your terms and refund policy from Settings → Payments can be used as evidence.