Have you ever wondered what the letters “https” and the little padlock at the beginning of some web addresses mean? It’s just one clue that you’re surfing a protected site, and a good way to find your way around the 164,000 sales sites on the Internet. Because not all e-merchants are trustworthy, here are some tips for making secure payments on the Internet and how to protect yourself in your transactions.
The risks of online payment
When making an online payment with your bank card, the main IT risk is phishing. This identity theft technique is used by malicious hackers to recover your bank details. Usually, these pass themselves off as a bank asking for confirmation of payment details. By buying online, you also expose yourself to the risk of falling, as in real life, on a dishonest trader: goods not shipped, customer service unreachable the presence during payment of a small padlock and the https (and not just the http) at the start of the URL address are the guarantee of an encrypted transaction, therefore protected, all of this need to be look deeply for online gaming merchant account high risk. If neither of them appears on the checkout page, beware.
Remember also that these two elements guarantee the security of the transaction, but not the honesty of the site! Some e-commerce sites give you the possibility of paying for your order via secure payment systems, such as PayPal or Paylib. This type of service records your bank details only once. When you want to make a payment on a compatible e-store, all you have to do is log in via the secure service.
Paylib, in particular, is a La Poste solution that allows you to pay at hundreds of e-merchants from your smartphone, tablet or computer without having to enter your bank card information each time. This service, attached to your bank card, allows you to pay for your purchases remotely (on the Internet but also by phone) without having to transmit your bank card details. Almost all remote merchants accept the e-Carte Blue service.
Be careful with your credit card data and any connection data to your profiles, such as PayPal. Never give this personal data to someone who asks you for it, even if that person claims to work for this website or your bank. The latter will never ask you to communicate your confidential data online, by telephone or by e-mail;
If your payment card is stolen or lost, have it blocked immediately by Card Stop by calling the number on the back of card. You are responsible for fraudulent expenses made with your card until the moment you block it (the most often up to a given ceiling). In the event of internet fraud or phishing, notify your bank immediately. This may possibly block access to internet banking or to your payment card, such as Card Stop. In addition, you may be able to give a statement to the local police.
Make sure that no one can discover the PIN code of your payment card. Never write it down, memorize it. In the event of loss, theft or fraud, have your cards blocked immediately via Card Stop: Record this number in your mobile phone and write it down on a small piece of paper that you keep in a safe place when traveling.