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Visa offers tips for safe and smart online shopping

Released at: 10:39, 01/08/2017

Visa offers tips for safe and smart online shopping

Photo: Archives

World's leading card payment organization provides some tips for online shopping.

by Khanh Chi

An increasing number of Vietnamese consumers are making purchases via e-commerce. According to the Visa Consumer Payment Attitudes survey, 83 per cent of Vietnamese respondents indicated that they shopped online at least once a month, which was an 11 per cent increase from 2015.

Online shopping presents consumers with a host of benefits, such as access to a wide range of products, competitive prices, door-to-door delivery, and cashless payments. By following a few simple tips, people can make sure they stay safe when using their payment cards online.

According to Visa, Vietnamese consumers do not really understand how to use a secure card to avoid the risk of information being stolen while shopping online. In fact, recent losses frequently occurred in the account while the card is not lost, causing panic. In these cases, one of the most common causes is due to unsafe and insecure online payments.

Know your seller: Only make purchases through reputable websites. If you’re not sure about a site that you’re looking at, you can do a quick search online to see if others have used the service. If something feels off, or the site doesn’t appear to look like it’s been well constructed, just don’t use it. After all, chances are you’ll be able to find the product through another online retailer. Furthermore, look for security measures such as Verified by Visa, which provide an extra layer of security to the online shopping experience.

Check the web address: When making online payments, make sure that the website you’re using is secure. When divulging sensitive information, like card details, the web address should start with https://, which is an indicator that you’re using a secure site. It’s also important to be careful about emails that link to websites. If the address is long and nonsensical, chances are it’s fake, and may be being used for online fraud. Again, if it doesn’t feel right, do a quick search or avoid it altogether.

Set up transaction alerts: Most banks provide a service whereby they notify you by text message when a transaction has been made on your account. This will allow you to see whether anyone is making unauthorized purchases using your card details.

Install and update your software: Make sure your computer and other electronic devices such as mobiles and tablets have antivirus and antispyware software installed on them. It’s also incredibly important to make sure these pieces of software, as well as your operating system, are kept up-to-date.

If something goes wrong, don’t panic! So, you’ve noticed some unauthorized transactions on your account. Don’t freak out: contact your bank immediately and let them know. They will be able to put a lock on your account and will then set about working with the retailer and relevant parties to try to recover your funds. It’s important that you do this as quickly as possible, because the sooner it’s done the greater the likelihood that they’ll be able to catch the perpetrators and get your money back.

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