Using the card for online payments puts people in a tightened situation. People think twice and thrice while making payments online. Can the card number with this particular website be shared or not? Is it safe to share an ATM pin or CVV? These are some of the questions that pop up in one’s mind during an online money transaction. These concerns need attention as the world is becoming more digital day by day. Credit cards, debit cards and universal gift cards have made life easier for people. But it is not safe to take the online payment system for granted. Be careful while dealing with cards online. A few things to remember while using cards online payment. Check it out.
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Do not share card details with unauthentic websites.
Card number, Card Verification Value (CVV), the card’s expiry date, and cardholder name are essential for online payment. But do not take the website for granted. Check the authenticity of the website before sharing the details. There are chances for you to land on duplicate websites that exactly look like the original websites. https:// at the beginning of the URL implies that the website is more secure and your information is encrypted.
Do not share photos of the card.
Sharing photos of cards online is not safe. Restrain from posting pictures of cards even if the image is partially obscured. Even if the photo is deleted from the sender’s end, it remains on the internet. So, once shared, the card details are not secured anymore, even if some digits are obscured. An expert hacker or thief can quickly identify the remaining numbers as some common factors.
Do not share card details over the phone/email.
It is not safe to share card numbers and other details while others can hear them. Phone calls not only have this demerit, but authenticity is also an issue. People tend to share details if they receive a call/email from a reputable bank, mobile phone service provider, insurance company, etc. But don’t forget that it is effortless to play a game of make-belief. Verify whether the call/email to understand its authenticity. Unless you initiated the phone call or email, it is safer to refuse to give out the card details.
Don’t make online transactions on open networks.
It is not safe to make online card payments on open networks. Open networks are networks that do not require a password to access. Transaction in these networks is not secure as the data is more vulnerable to theft. The computers nearby can access this unencrypted data very quickly. So, it is always advised to make transactions on a secured network to keep the card information safe.
Not all websites ask for your card number.
Not all websites ask for one’s card number. Some websites require only a card proxy number, which can substitute for the original card number. For example, while activating universal gift cards, the website only asks for a card proxy number, four-digit verification code, and CVV. To evade risk, gain some knowledge about the process you will do beforehand from other sources and make sure that the website is authentic.
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Vivek Pal