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How not to lose money and personal data when buying online - basic tips from PaySpace Magazine
Online shopping saves time, money, and in modern conditions - also health. Futurologists have been predicting the almost complete extinction of offline stores for a long time: with the expansion of the possibilities of the Internet, there is simply no need for them. And in the context of epidemics and difficult economic situations, online business saves shopping as such.
Despite more than favorable conditions, online shopping is still faced with the most powerful human emotion - fear. Users are afraid of losing money, personal data and dignity due to the wrong product. But all of the above problems can be prevented, for this you need to adhere to five simple rules.
1. Trust but verify.
First of all, you need to start checking the site address in the browser bar. Even if the site is well-known and has been used by you more than once. The fact is that there are fraudulent schemes in which fake sites are created disguised as top stores. A very graceful disguise - the design of the resource can completely copy the original.
The most reliable will be checking the domain name of the site on one of the special services. In the event that a check shows that a well-known site was registered quite recently, you can be sure of fraud.
Another important point that shows that a potential buyer has visited the right site is the availability of a valid security certificate for the resource. The use of a secure protocol and the presence of an SSL certificate at the site is confirmed by the "HTTPS" symbol and the image of a green "padlock" in the address bar. If there are no indicated signs, then in no case should you leave your data on this site.
2. Wi-Fi is not for shopping.
Experts advise against making purchases while connected to a public Wi-Fi network. Some people use the network of the nearest store or cafe for home use - this is a big mistake. In such a situation, a fraudster will be able to connect to the network and intercept data using the Man-in-the-Middle attack.
The home network also needs to be well protected, passwords thoughtful and confidential, and equipment in good working order. With a secure connection, there are much fewer threats not only to shopping, but also to personal data.
3. Any card will not work.
Experts believe it's best not to use a primary bank card or payroll card for online shopping. The best option is to open a special card separately and top up it with the required amount. For such a case, virtual neobank cards are perfect, which, by the way, have more cashback and more sophisticated tools for online shopping.
Better, of course, to buy in places where prepayment is not required. Since a reliable store will be able to provide the ability to pay by card through a courier (using an acquiring machine).
4. Care and more care.
When choosing a product, it is imperative to collect the following information: reviews, shipping costs, return options, size range (size compliance with international standards). Thus, the chances of not making a mistake in the product itself is decently increased.
An important point is that online stores usually return funds for products of inadequate quality. But if the product does not initially inspire confidence, it is better not to risk it - all characteristics are usually available in a much more detailed form than in offline stores.
5. Everyone forgets about checks.
Surprisingly, e-commerce moving away from paper documents still owes a lot to them. Sales receipts, certificates, guarantees are still necessary "pieces of paper" that can help avoid unnecessary expenses and problems due to an unsuccessful purchase.
Be sure to keep all documents confirming the connection with the store, marketplace or seller, as well as the fact of payment for the goods. This can be an e-mail, a screenshot of a website page with a product of your choice, a proof of payment (electronic receipt).
Finally, it is important to remember the main thing - that the purchase was made online does not mean that the process is not subject to legislation. A customer on the Internet has the same rights as in any other store - for example, the right to return goods. If there is reason to suspect a violation of the buyer's rights or outright fraud, law enforcement agencies are required to address this issue.
Online shopping saves time, money, and in modern conditions - also health. Futurologists have been predicting the almost complete extinction of offline stores for a long time: with the expansion of the possibilities of the Internet, there is simply no need for them. And in the context of epidemics and difficult economic situations, online business saves shopping as such.
Despite more than favorable conditions, online shopping is still faced with the most powerful human emotion - fear. Users are afraid of losing money, personal data and dignity due to the wrong product. But all of the above problems can be prevented, for this you need to adhere to five simple rules.
1. Trust but verify.
First of all, you need to start checking the site address in the browser bar. Even if the site is well-known and has been used by you more than once. The fact is that there are fraudulent schemes in which fake sites are created disguised as top stores. A very graceful disguise - the design of the resource can completely copy the original.
The most reliable will be checking the domain name of the site on one of the special services. In the event that a check shows that a well-known site was registered quite recently, you can be sure of fraud.
Another important point that shows that a potential buyer has visited the right site is the availability of a valid security certificate for the resource. The use of a secure protocol and the presence of an SSL certificate at the site is confirmed by the "HTTPS" symbol and the image of a green "padlock" in the address bar. If there are no indicated signs, then in no case should you leave your data on this site.
2. Wi-Fi is not for shopping.
Experts advise against making purchases while connected to a public Wi-Fi network. Some people use the network of the nearest store or cafe for home use - this is a big mistake. In such a situation, a fraudster will be able to connect to the network and intercept data using the Man-in-the-Middle attack.
The home network also needs to be well protected, passwords thoughtful and confidential, and equipment in good working order. With a secure connection, there are much fewer threats not only to shopping, but also to personal data.
3. Any card will not work.
Experts believe it's best not to use a primary bank card or payroll card for online shopping. The best option is to open a special card separately and top up it with the required amount. For such a case, virtual neobank cards are perfect, which, by the way, have more cashback and more sophisticated tools for online shopping.
Better, of course, to buy in places where prepayment is not required. Since a reliable store will be able to provide the ability to pay by card through a courier (using an acquiring machine).
4. Care and more care.
When choosing a product, it is imperative to collect the following information: reviews, shipping costs, return options, size range (size compliance with international standards). Thus, the chances of not making a mistake in the product itself is decently increased.
An important point is that online stores usually return funds for products of inadequate quality. But if the product does not initially inspire confidence, it is better not to risk it - all characteristics are usually available in a much more detailed form than in offline stores.
5. Everyone forgets about checks.
Surprisingly, e-commerce moving away from paper documents still owes a lot to them. Sales receipts, certificates, guarantees are still necessary "pieces of paper" that can help avoid unnecessary expenses and problems due to an unsuccessful purchase.
Be sure to keep all documents confirming the connection with the store, marketplace or seller, as well as the fact of payment for the goods. This can be an e-mail, a screenshot of a website page with a product of your choice, a proof of payment (electronic receipt).
Finally, it is important to remember the main thing - that the purchase was made online does not mean that the process is not subject to legislation. A customer on the Internet has the same rights as in any other store - for example, the right to return goods. If there is reason to suspect a violation of the buyer's rights or outright fraud, law enforcement agencies are required to address this issue.
