# Fraud rules, 3D Secure and refunds

> Protect your Anytime Capital payments: block card countries, require 3D Secure above an amount, cap payment size, block high-risk scores and auto-refund alerts.

Source: https://anytime-capital.com/docs/risk-and-3ds · Markdown: https://anytime-capital.com/docs/risk-and-3ds.md · All docs: https://anytime-capital.com/docs/llms-full.txt

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.

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Anytime Capital is a fintech company, not a bank. Payment processing, banking and payout services are provided by Anytime Capital's licensed partners. Rates shown are for US card payments; international cards, currency conversion and disputes may carry additional fees shown in your dashboard before you accept a payment.