Online Payment: 7 Tips To Avoid The Risk Of Hacking

Online Payment: 7 Tips To Avoid The Risk Of Hacking

Choose Double Security With Your Bank

Two precautions are better than one, use the double payment security now offered by most banks. In addition to the traditional visual cryptogram (usually a three-digit code located behind your card), you can validate your high risk online payment processing online in a second step. Generally by entering a code which is sent by your bank immediately after payment.

Most of the time, this is a code sent by SMS that you must enter to confirm your order.

Check That The Page Is Secure

It is strongly recommended to make your purchases on a website having an “https” security: indeed, there are 2 types of websites. Those whose address begins with “http: //” and those whose address begins with “https: //”. Avoid making your purchases on the sites in “http: //” and do not create an account on a site when the url begins with “http: //” because the information (password, personal information, banking information) can be intercepted by third parties (be careful, this condition is necessary, but not sufficient). In addition, never share personal information (password for example): no reliable site asks you for this type of information.

Avoid Saving Your Bank Details

Think twice before saving your card number on your phone or computer. Some applications and some internet browsers offer to save your details so that you do not have to retype them later. A method not recommended by the Cnil: “these terminals are not necessarily designed to guarantee optimal security of bank data”.

  • Beware of public Wi-Fi networks
  • No rush to shop.

If you are connected to public WiFi, in a café, a hotel or a station for example, it is better not to enter your card number. Indeed, the Cnil warns: “A possible hacker can seize the opportunity of a badly encrypted WiFi to intercept some of your data”.

Wait Until You Are More Sheltered, On A Private Network

In the event of an incident, first contact your bank. If you find that you have been hacked following an online purchase, first contact your bank to object to your bank card and then request reimbursement of fraudulent transactions or request the allocation of a new bank card. The opposition on your bank card can also be made via the interbank service of opposition to bank card 0 892 705 705 (open 7 days a week and 24 hours a day), premium rate number: cost of a call to a fixed number + € 0.34 including VAT / min, from a landline or mobile phone

You Can Then Report This Hacking On Perceval, The Credit Card Fraud Reporting Platform.

The merchant sites and billing sites affiliated with the CMI carried out 9.8 million online payment transactions via bank cards, Moroccan and foreign, for a total amount of DH 4.8 billion during 2019, in progression + 18.2% in number and + 46.7% in amount compared to 2019.