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How to protect online Payments?

How to protect online Payments? - EC and credit cards are a common alternative to cash and are commonly approved as a way of payment - also internationally. Bad guys take benefit of this fact and are constantly developing new methods of accessing delicate data such as PINs or card verification numbers. Take skimming and phishing, as instances.

How to protect online Payments?

Beware of cashless payments

EC and credit cards contribute to cashless payment in a wide range of locations: They can be used as an alternative to cash as a practical means of payment. Additionally, there's global approval of credit cards in retail and the option of withdrawing cash from over 1.7 million ATMs (approx. 60,000 in Germany) using an EC card / financial institution card or credit card.

The extensive use and most of all the high degree of approval of "plastic money" put in an alluring attraction on bad guys - debit and credit card scams are flourishing. It's often facilitated for bad guys: A credit card user reveals data such as the credit card number, the validity period of the card, and the trademark anywhere he pays by card. All data belong to the invoice. So come with any payment more and more individuals right into the belongings of highly secret information.

Additionally, developing new criminals Pre-hens need to go to deceptive card data and individual recognition numbers - such as the supposed skimming.

Pay with credit cards Internet

With this payment option, products or solutions are ordered by letter, telephone, fax, or mainly via the Internet. Payment is made by specifying the credit card number and the expiry day, if necessary also using the three-digit card verification number (CVC / CVV; on the rear of the card). You can CVV practically, however, CVV stores online. Rest guarantees CVV Shop you're likely to choose is genuine.

In developed nations such as Germany, about 80 percent of all individuals matured 10 and over presently use the Internet in your home, at the office, or somewhere else. The extensive use of the Internet is also being used by bad guys to obtain data from payment cards: for instance, suspicious vendors when using credit cards (data) on the Internet hand down the card data after the deal is wrapped up or used unlawfully. 3rd parties can also access card data from private people or companies with an unencrypted Internet connection.

We have summed up what you should take note of when shopping online in our tips for safe online shopping.

Tips for how to use payment cards safely

Handling the PIN

  • The PIN must never be passed on 3rd parties, not also financial institutions or credit card companies know the PIN; Neither public authorities (e.g. policemen) neither workers of financial institutions will therefore lawfully ask for the PIN.
  • It's best to learn your PIN by heart and ruin the PIN letter.
  • Under no circumstances should the PIN be kept in mind down anywhere - particularly out the payment card! Also not disguised as a phone number or comparable in the address book.
  • When going into the PIN at the cash dispenser or the cash machine in stores, make certain that no one can observe the process; nicely but securely ask invasive individuals or alleged helpers to maintain your range.
  • Hide the PIN entrance by holding your hand or purse shut to the keyboard as a privacy screen. This makes scooping out significantly harder.
  • Never enter the PIN on door openers, not also at financial institutions. In such situations, inform the authorities instantly.
  • Don't follow any instructions that ask you to enter your PIN several times.
  • Don't give your PIN when paying and make certain you return your payment card.

Basic recommendations

Never leave payment cards existing in workplaces/workrooms, pools, medical facilities, resort rooms, automobiles, and so on. - neither open up neither hidden; not also momentarily.

Instead, treat EC and credit cards carefully such as cash, and carry them shut for your body in shut internal pockets of your clothes.

Inspect regularly whether you still have your card (s).

Before withdrawing money from the machine, maintain a shut eye on your environment. Take note of the external problem of the ATM and record any visible changes to the ATM to the authorities instantly. Never mindlessly most likely to the machine to take out money.

Observe all problems that the financial or credit organization has contractually concurred with you. Also, read the small print in the contract - particularly the liability sections; they determine which due diligence you need to fulfill when handling your payment card.

Maintain credit card / financial institution card invoices in a refuge and inspect your financial institution declaration quickly. Ruin any recommended invoices, potentially also the carbonless paper.