With increasing numbers of transactions online and with more of them on mobile devices, the question of safe and secure payment is a major concern. At the same time, many payment cards continue to be the preferred option, security concerns related to online use.
Individuals and businesses are increasingly using e-payment systems as well as virtual wallets to make payments without directly informing retailers of their card details. You can choose from several options: PayPal, Apple Pay, and Google Pay, all of which are backed by major brands. So, what’s the main advantage and disadvantage of e-payments?
Online shopping has its advantages, but the virtual shopping cart is not always a safe bet, but scammers and cybercriminals have honed their techniques accordingly. Knowing how to keep yourself safe while surfing the sale section could protect you from online scams.
Identify Scams and Hazards Online
It will be even harder to remove you if you recognize the characteristics of the main risks of online shopping quickly.
An unknown website with bargain prices? It should activate your alarm signal. These amazing discounts will trick the careless buyer into supplying his financial information, which cybercriminals will then use.
You will see broken links, mistakes in grammar, and more that make these sites sloppy. There is a non-existent “back” button to allow you to return to the previous page. Watch for shipping and return information if you have problems.
More people depend solely on Internet banking as their only business process. You can access your account 24 hours a day, 7 days a week, and 365 journeys a year through online banking. Phishing is when a criminal sends e-mails to people who have false links to make them click on the links. You can apply for loans from your bank online, apply for an increase in your loan cap and search all of your bank’s various investment products without leaving your house.
Tips to Protect Yourself Against Online Scams
1. Pick double protection from your bank
The double payment securities offered now by most banks use two precautions that are better than one. You can verify your online payment in a second phase, in addition to the conventional visual cryptogram (usually a three-digit code placed behind your card). Typically, by entering a code that your bank sends just after payment. This is a code sent via SMS most of the time, which you must enter to confirm your order. Often, to complete the transaction, you will have to open your bank’s app on your mobile.
2. Ensure that the page is safe.
- You are strongly advised to shop on a website with security “https.” There are, in fact, two types of websites. Those of whom “http: //” starts address and those whose address starts with, “https: /.” Avoid shopping on “http://” sites and not creating an account on a site at the beginning of “http://” because the information (password, personal data, banking information (be careful, this condition is necessary, but not sufficient).
- Also, never share personal information (such as password): no trustworthy website requires this type of information.
3. Beware of unfamiliar locations and offers too attractive
certain offers are sometimes too good to be true.
- Do not fall into so-called good transactions without first checking the reputation of the site.
- Read ratings and reviews of consumers.
- Care should be taken to sites that offer a much lower price than competitiveness.
4. Stop keeping your bank records
Think twice before your telephone or computer saves your card number. Some apps and some web browsers allow you to save your information so that you don’t have to type it again afterward.
5. Beware of wifi networks that are public
No haste to do your shopping.
- It is best not to enter your card number if you are linked to public wifi, such as a café, a hotel, or a train station. “The cyber experts warn: “A potential hacker can take advantage of a poorly encrypted wifi to intercept some of your data.
- On a private network, wait until you are more secure.
6. Ensure the overall digital security
Being cautious about your digital security on a daily basis, well beyond the requisite caution that you must display while shopping online, will enable you to protect your payments even more. As such, it can be helpful to follow a few simple tips:
- Protect the computer terminal: upgrade your equipment periodically, use anti-virus and a firewall, secure your wifi connection, etc.
- Regularly check your online bank account to verify that no suspicious transaction has been made.
- Securing your passwords: change them, reserve each one for a single-use, and create passwords that fulfill all of the security requirements (use special characters, at least a capital letter, a number …)
- Safely use your e-mail: read the e-mail information, do not click any of the attachments or links that are dubious, etc.
7. Contact your bank first if an incident occurs.
If, after online purchases, you have been hacked, contact your bank in advance to oppose your bank card, then reimburse your bank for fraudulent transactions or request the assignment of a new bank card.
8. Never enter financial details in a pop-up window or e-mail
Keep an e-mail and pop-up information requesting your information, financial or personal. Put all into view: There may be a pop-up window on a cooking Website to enter the e-mail address you need to include in your recipes mailing list. Before you even buy anything, credit card? These methods are not used by reputable traders and financial institutions to collect information. Immediately close the window and don’t click on any e-mail or pop-up links.
9. Enable the Firewall
The Firewall protects your computer from people and malware. Click Start and then click Control Panel to open Windows Firewall. Type “firewall” in the search bar. Click on a Security or Security & Privacy icon on a Mac device, open System Settings, and click on Firewall.
10. Don’t forget the fundamental cybersecurity rules
It would help if you stopped using a password that you use somewhere when you shop on an informative platform. If you need to build an account, Scammers can use the details on other websites, such as your financial institution, to access your personal financial information.
Be vigilant when posting personal social media information. In the process of hacking financial accounts, cybercriminals comb through social media accounts (for example, date of birth, place of birth, high school, or the names of the families).
Check the address bar on websites such as Amazon for a lock sign while shopping online. This symbol shows that a website uses a secure protocol for encrypted information sharing. Anyone who tracks the site’s user traffic cannot see this in this way. The personal data of customers remain safe. One easy way to search ‘https://’ at the beginning of the URL is to make sure that you’re on a safe webpage. This ensures that your information remains safe.
Often buy from renowned online retailers with an outstanding customer service background. Make sure they meet customer satisfaction and security quality requirements. Check customer feedback and review before purchase.
Never send personal information via e-mail in order to prevent phishing. Should you have any concerns, check the site that asks and try to discuss the validity of your request with someone in the business.