As the number of online shoppers has grown significantly due to Covid-19 restrictions, here are some tips on how to protect yourself from fraud when shopping online, shopping in e-shops and making digital payments in general.
Above all, of course, it is everyone’s duty to make sure that their information is protected and safe. However, if your rights have been violated and the infringer does not respond to your request, you can contact the Data Protection Inspectorate.
Here are some tips to keep in mind:
Don’t share your data lightly.
If you receive a call or an email for example offering how to quickly and cheaply invest in something or asking for your bank details in any way, this is immediately a sign of something suspicious. No dependable company will start a conversation asking for your personal information.
The bank’s user ID or personal identification confirmation may not be exhibited other than on the bank’s own page or on the page of the authorized payment service provider.
It is worth noting that only a bank has the right to ask for your user ID or request personal identification. Other companies must redirect the customer to the bank’s own page. However, authorized payment service providers always display the name of the bank and, if you ever have questions, you should always call your bank and double check with them.
Always check the background of the e-shop or service provider.
When shopping online, always make sure that the merchant is trustworthy. It’s worth paying for a service provider or online store to do an online search and read previous customers’ opinions. You can also use a special web host (such as Scamadviser) that shows you how reliable the page is. Well-functioning and up-to-date anti-virus software on your computer can also help report suspicious websites.
Good merchants also use reliable payment services.
If you repeatedly see the same payment gateway service providers on the pages of different e-shops, you are more likely to trust these companies as well. It would be difficult for a payment service provider with an unreliable background to gain the approval and trust of any merchant.
As soon as you notice anything suspicious, cancel the purchase.
If anything suspicious appears on the e-store’s website when making a purchase, the purchase must be canceled immediately and you must log out of the page. For example, it is questionable, if a website looks familiar but still not entirely as expected, and something doesn’t seem to be quite right. In public networks, you should always switch to a private network, for example, instead of Wi-Fi in a café, make transactions on your home network or use your mobile phone’s hotspot.
Always check the invoices you receive carefully.
All invoices received from e-merchants must be carefully analysed before making a payment. It is important to make sure that all of the data concerning both the product and the seller match exactly with the desired goods and the selected merchant.
You can also find more tips for safe operation on the Internet on the page “Ole IT-vaatlik”.