Using the internet to buy items or services can save a lot of time and effort, you can sit in the comfort of your home and browse without using shoe leather. However, there are unfortunately some risks when online shopping including fraud if you’ve made payments over unsecured web pages, bogus online shops or buying fake good. It’s important to know who you are buying from, how much you are paying and that your purchase is secure and safe.
Ensure the store is legitimate
Does the online shop have a telephone number and contact details so if you have any problems you can contact someone directly? Check particularly for a physical address, if it doesn’t have one then it could be risky. If you haven’t heard of the shop before, check out any reviews or do a search online to establish whether they are genuine or not. There are also sites you can consult such as Shopsafe, which has checked out more than 4,000 shops and rated them for their range of goods, delivery costs and security.
If you pay by credit card rather than a banking debit card, this gives more protection should there be any problems with your purchase, your card is used fraudulently or you don’t get your goods.
Check, check and check again your purchase before paying. Is it exactly what you want, does the price include VAT and is there any extra delivery to pay.
When you get to payment check that the page is secure before you give any details of cards etc. If it is a secure page it will show a padlock in the address bar at the top of the screen. Also, it will have an address starting with https:// to show that it is secure. The address bar will also go green if the website is secure (this can only be seen however if you are using the latest updated version of your browser, so always check you have the latest version to be up to date with security features).
Keep your bank details safe
Never make payments directly to an individual’s bank account – always use a secure payment method such as Paypal, which never discloses your banking details to the other party.
Always log out of sites if you have registered your details or logged in
Just closing the window will not remove your details and someone coming after you, particularly in a public place may still be able to see your personal details if they open up the internet browser again. If you have registered your details and use a password, try to use different passwords and make the password difficult to guess with numbers and letters.
Always ensure that you have antivirus or malware software installed and a firewall to stop any unwanted attention from hackers or viruses that can access your personal information or take you to websites that aren’t legitimate. Always double check the website address before you submit any details and look for any irregularities. If it looks odd or isn't the address you'd expect it to be, don't enter any personal information.
Check your statements
After any transaction check your credit card and bank statements to ensure that the correct amount was taken from your account and inform your bank or credit card provider immediately if you have any concerns.