Becoming a safer online shopper
We've put together a short list of tips to help improve your online shopping experience and reduce your chances of making a purchase from an unsecured website.
1. Check if the payment pages are secure
Before you start entering your card details online, there are a few checks you can do to make sure the page is secure. First of all, make sure that the 'http' within the URL is changed to 'https'. Also look out for a padlock sign next to the URL or on the lower right of your web browser. It should be in a locked state as opposed to unlocked. Double clicking the padlock symbol will show you more detailed security information for the site.
2. Review the website policies
3. Check the company's level of security compliance
Make sure the retailer you are shopping with maintains some level of PCI compliance. If you can’t find the information you’re looking for, don’t be afraid to contact the retailer and ask.
4. Are contact details available?
It may sound obvious but make sure there are contact details on the site including a physical address and phone number.
5. Review product reviews
Check online for reviews. With social media more popular than ever, if a customer has received bad service, the chances are they will have put it online.
6. Use a credit card when possible
Debit cards and other types of payments are fully secure but credit cards often offer you more consumer protection. Find out more about such benefits from your card provider.
7. Sign up for 3D Secure authentication
If you come across 3D Secure and haven’t registered, make sure you do. 3D Secure provides an additional layer of protection by asking you to enter a password that has been registered with your bank. This way if your card information is obtained illegally, it will help to prevent funds being spent in your name.
8. Keep your purchase confirmation
Keep hold of any confirmation emails that you receive. Always check goods against your card statements. This way you can easily identify charges that you don’t recognise.
9. Reversing a charge
If you haven’t received your goods and are unable to contact the company in question, contact your bank for a chargeback.