thread Re: how to avoid and protect from fraud payments with square online in Payments Troubleshooting

how to avoid and protect from fraud payments with square online

Cmonicarojas — Thu, 06 Nov 2025 16:51:30 GMT

I have a small restaurant and we had about 6 fraudulent payments made through square online. Square does not protect those transactions and we had to repay them. We are loosing sales from customers used to order online because we had to stop that option. As I said we are a small business and having no protection from square on online transactions does not work for us. Is there a way to have online ordering with only cash pay or pay at pick up?

Re: how to avoid and protect from fraud payments with square online

MudFire_Dex — Thu, 06 Nov 2025 18:31:45 GMT

Hi @Cmonicarojas - you might find this helpful - we enabled this in our account, and it has blocked a few payments - preventing what you are describing above - Use 3D Secure with Square Risk Manager | Square Support Center - US

The risk manager panel offers a lot of protections for us as sellers - Set up Square Risk Manager | Square Support Center - US

If you have other questions, there are a lot of restaurant owners reading these forums and can chime in too 🙂 - hope this helps!

Re: how to avoid and protect from fraud payments with square online

androo — Thu, 06 Nov 2025 19:43:48 GMT

Agreed - enabling Square Risk Manager stopped all fraudulent (Square) payments from our store.

Re: how to avoid and protect from fraud payments with square online

Cmonicarojas — Fri, 07 Nov 2025 16:17:20 GMT

Thank you for your recommendations. I looked into Risk Manager and it has a disclaimer that Square is not liable for payment disputes. Our restaurant had several transactions paid online -- at different times-- with different cards-- from a discount sale plataform that customers used to purchase food. On our end we only saw a purchase made by an individual customer, as it is with all online orders. The customers paid with a cash app. and picked up the food thinking it was all legitimate. All those payments were disputed and we were liable.

Do you think that Risk Manager would be able to detect this kind of activity?

Re: how to avoid and protect from fraud payments with square online

Cmonicarojas — Sun, 09 Nov 2025 20:27:49 GMT

Thank you so much. I will give it a try.

Re: how to avoid and protect from fraud payments with square online

Cmonicarojas — Sun, 09 Nov 2025 21:10:37 GMT

How do I DM you? I hope this is it. I tried to set up the pay at the store or cash on delivery but I do not get that option on the check out tab.