Internet has evolved into a powerful tool, be it a social media platform to make friends or to share information or even a cool shopping tool where users are able to buy items desired from home. The biggest concern that everybody has about online shopping is the payment process. Some claimed to have made extra payments in the process, and some lost their sensitive information while making their purchase. How then, can one ensure that they are making credit card payments online correctly and securely?
Computer security
Be sure to protect and secure your computer. As technology advances, con artists gets more well versed with their con skills and have new creative ways to hack into your connection and retrieve the sensitive information. It is importantly to protect your computer with anti-virus or firewall programs and update on a regular basis.
Protect your personal information
Practise safe internet security to ensure you are at the correct site with a secure internet connection that nobody else can access and retrieve your confidential information. Be sure not to enter your confidential information such as your credit card, personal banking passwords or investment account information on a computer that is not well protected.
Be smart and alert to spot phishing
Be careful of phishing websites, where an email might be sent to ask you to update your personal information, as it might be a fake page which looks like the legitimate website. The website will request for your username and password and capture the information after you type it in. Remember, businesses do not send emails and request that you update your personal information. Check with your banks if the website raises your suspicion. It is highly advisable not to log into secure websites on public hotspot and insecure internet connection so as to prevent unauthorized sharing of information.
An additional security will be the personal security device provided by your bank. It will generate a code such as a one-time password (OTP) token for you to enter into the website as additional security measure when you are entering sensitive information or browsing through confidential records.
It is important to check and go through your monthly bank statements so as to ensure that you are paying for the correct items and amount. The bank statement would have clearly stated what items and amount is deducted for what cause. Feel free to check with the bank if you have doubts about the payments.
Source: http://empireinnovation.com/2012/10/how-to-ensure-paying-online-is-safe/
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