“Having a virtual identity has become almost as essential as having a physical one!”
Using the internet to make online payments to utility, phone, credit card, insurance, shopping, etc. has its own unchallenging benefits. It saves considerable time and effort. It is also simple and convenient.
There are, however, risks associated with online payments and you need to take care when making them.
- Ensure you have effective and updated antivirus/antispyware software and firewall running before you go online.
- Before entering payment details on a website, ensure that the link is secure, in three ways:
- There should be a padlock symbol in the browser window frame, which appears when you attempt to log in or register. Be sure that the padlock is not on the page itself … this will probably indicate a fraudulent site.
- The web address should begin with ‘https://’. The ‘s’ stands for ‘secure’.
- If using the latest version of your browser, the address bar or the name of the site owner will turn green.
- Check credit card and bank statements carefully after payments. You need to verify that the correct amount has been debited. Also ensure that no fraud has taken place as a result of the transaction.
- If you get a warning about a problem with a “Certificate” or that the certificate cannot be trusted, do not submit any confidential information to such websites. They are most likely fake and intended to defraud.
- Be suspicious of offers that seem too good to be true. This could indicate that a site might be selling illegal or pirated items.
- Avoid making online purchases when you are in a public place. When you’re using ‘Wi-Fi’ in public, you cannot guarantee that the network is secure. This applies even if you have been given a password to use.
- Keep receipts – electronic or otherwise.
- Always log out of sites into which you have logged in or registered details. Simply closing your browser is not enough to ensure privacy.
After all, prevention is always better than cure!
Disclaimer: The above article is curated based on limited and publicly available open source information. The views and opinions expressed therein and all data and information so provided is solely for informational purposes, to be used at the sole discretion of the reader. If you disagree with any article or any part thereof, please contact us and we will resolve the issue at the earliest. KyaBae makes no representations as to accuracy, completeness, currentness, suitability, or validity of any information and will not be liable for any errors, omissions, or delays in this information or any losses, injuries, or damages arising from its display or use.