Taking your first card payment feels like a milestone — and a worry. What if the card is stolen? What if the customer disputes it? The good news: modern card security does most of the work automatically, and the five minutes of setup below covers the rest.
What already protects you
Tokenisation means card numbers are replaced with useless tokens the instant they are typed — Nettlebrook never stores the real digits, so there is nothing to steal from us. Encryption scrambles every step of the journey. Fraud screening checks velocity, disposable cards and address matches on each charge.
Your five-minute setup
First, switch on 3-D Secure for orders above your average basket — customers confirm risky purchases with their bank, and liability for those shifts away from you. Second, block countries you never sell to. Third, require address matching on phone orders. Each is one toggle in your dashboard.
If a dispute still arrives
Do not panic and do not refund in a rush — an accidental refund plus a chargeback costs you twice. Read the reason code, confirm the facts in your ledger, and let Nettlebrook compile and file the evidence free. Most first-time sellers win their first dispute simply by having tidy records.
Security is included in every Nettlebrook account at no extra cost. Open yours free and take your first protected payment today.