Shopping Online the Safer Way
Everyone loves the freedom and ease of shopping online, but are you concerned about the security?
You have spent some precious time trawling through pages of shoes and clothes, ‘liking’ some, adding some to your shopping cart, Punching your credit card details into some boxes, agreeing to Terms and Conditions you don’t have time to read and then hitting SUBMIT or BUY. Does your heart do a little flutter wondering if you have done the right thing? Did you spend too much? Will it all arrive on time? And was it a safe site to shop on anyway? The green shopping icons look so trust worthy, and in a split second we end our shopping experience with ‘I hope my credit card details are safe!’
The reality is, no site is a sure safe site. We have all read about the biggest companies whose sites have been hacked – Sony, Staples and Kmart to name just a few. What are the hackers looking for? They are looking for:
- customer credit cards
- personal information – names, phone numbers, addresses, email addresses
Identity theft is big business, so is skimming credit cards. Skim 1 million credit cards at $1 each card makes for a nice annual salary.
This however is no reason to not shop online. Besides watching your own credit card transactions and checking that your statement is in order, there are other things you can watch out for. Here are just 7 ‘things to know’ to ensure your next shopping spree is a safer one:
1. Make sure the site you are shopping on has a secure URL – so it starts off with https://……. This means that the site has an SSL certificate (Secure Sockets Layer)
2. Don’t send your credit card details over email
3. When possible, only give information that is absolutely needed. A shopping cart does not need your ABN, birthday, married status and how many kids you have to process your payment!
Payment Options that are safe:
There are so many payment gateways that are safe now, and as long as the website you are using has an SSL certificate, then using other gateways should be fine.
4. If you don’t want to enter your credit card details into the website – choose PayPal. Most shopping carts have a PayPal payment option, and you do not need to have a PayPal account yourself to use PayPal.
5. Another gateway being used may be Stripe. You enter your credit card details within the website shopping cart, and then Stripe will process it for you and give you an immediate accept or decline.
6. AfterPay is newish on the market – it is the modern digital lay by system – you get to purchase, split your payment into 4 payments, finalise your transactions with Afterpay and receive your goods before you finish paying them off.
7. eWay is another gateway. It integrates with the major banks payment systems. Once again, you stay in the shopping cart to pay and finalise your shopping experience with the store.
So, now you are little better armed with some new facts – happy shopping!