If you have just realised the site may not have been genuine, the order of your actions matters. Here is a short plan, from the first minute to the follow-up checks.
Published September 30, 2026 · 3 min read
Do not wait to see whether anything happens. Stop whatever you were doing on the site, close it, and do not enter the details again anywhere else 'to fix' the problem. Then open your card app and freeze the card. Only after that, calmly look at what has actually happened on the account. Acting in this order means the card is already protected while you investigate.
Yes, if you have any doubt. In the Nexus Pay app a card can be frozen and unfrozen in one tap, and freezing stops operations on it immediately while you check. That makes it a low-cost step: if it turns out the site was fine, you unfreeze and carry on. If it was not, you have closed the door before anyone tried it.
The card spends only the available balance. There is no credit and no overdraft, so the exposure is limited to what is loaded on the card at that moment. This is why the balance on the card is the number to look at first. A card holding a small amount limits the possible damage far more than one holding your whole budget. Your other funds in the wallet are not the same thing as the balance on the card.
It is a sensible precaution. Moving spare balance back to the wallet reduces what sits on the card until you are sure everything is in order. You can move it to the card again later when you need to spend. Note that moving money from the wallet to the card carries a 0.1% fee, so it is worth reloading the card only in amounts you actually plan to use.
| Step | What it does | When to do it |
|---|---|---|
| Freeze the card | Stops operations on the card while you check | Immediately, as soon as you have doubts |
| Move spare balance to the wallet | Reduces what is on the card and can be spent | Right after freezing, until you are sure |
| Review transactions | Shows any charge you did not make | Once the card is frozen, and again over the following days |
| Dispute a charge | Starts the card refund or dispute process | As soon as you find a charge you did not authorise |
| Unfreeze the card | Restores normal use | Only when you are confident nothing is wrong |
Check your transaction history for anything you do not recognise, including small amounts, which are sometimes used to test a card. If you find one, raise it through the card refund or dispute process. This is a separate route from any blockchain transfer: card charges go through the dispute process, while a blockchain transfer, once sent, cannot be brought back by anyone. The card is issued by a licensed partner organisation, so the dispute follows the card process. This is general information, not legal advice, and the outcome of a dispute depends on the circumstances.
Keep only a modest balance on the card and top it up when you need it. Freeze the card when you are not using it, and pay for one-off online purchases with a card that holds just the required amount. Check the address of a site before entering anything, and be wary of pages you reached through a message or advert. In the Nexus Pay app you can also set an optional four-digit access code, which adds a barrier if someone gets hold of your phone.
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