10 steps that can ensure safe online payments

1. Search the Internet carefully
When you are looking for product reviews or price comparisons on a search engine, you run the risk of unintentionally clicking on a ‘poisoned’ search result that can lead you to malware instead of your intended destination. Poisoned search results are created by cyber criminals who use search engine optimisation tricks—called Black SEO—to manipulate search results to insert malicious links. Tools such as Kaspersky’s URL Advisor or third-party browser add-ons such as Web of Trust can help you avoid poisoned links and malicious websites.

2. Type, don't click
Type the URL in the address bar instead of clicking a link to go to your chosen retailer’s website. It may take a little more effort, but this simple action can help avoid visiting fake and malicious websites. Ensure that the link starts with 'https'. The 's' symbolises a secure site. Make sure there is a padlock symbol in the browser window frame whenever you visit a payment site.

3. Get a temporary credit card
Some credit card companies issue temporary credit card numbers for their customers. These temporary numbers are meant for one-time purchases. Even if the information is stolen, it is of no use. However, you cannot use them for purchases that require regular payments and auto-renewal. In that case, use a credit card that has a low limit.

4. Use a dedicated computer
You can keep a computer solely for financial transactions. Install Google Chrome with HTTPS enforcement and also a trusted anti-virus programme. Keep the dedicated computer clean: don't use it for casual surfing or social networking.

5. Use a dedicated email address
Create an email address only for online shopping. This can help you reduce the risk of opening potentially malicious email or spam messages which are disguised as various kinds of notifications or sales promotion.

6. Use a password manager
A password manager can help you deal with multiple accounts. A manager encrypts passwords which would otherwise be in plain text. A manager will also help you avoid a common mistake—keeping one password for all your accounts. Some antivirus and Internet security products include password management and password security features.

7. Avoid public Wi-Fi/computers
Never do financial transactions on a public Wi-Fi. Hackers can intrude easily into a public WI-Fi network and steal your login details. If you need to make a financial transaction when you are out, use your own mobile phone network.

8. Keep your data to yourself
Don't save your bank and personal details in a browser or a payment site. Type the information whenever you make a transaction. Don't forget to log out every time you log in.

9. Avoid apps that you can’t trust
Often, smartphone apps carry malware. If you are not sure of an app, don’t download it instantly. Spend a little time reading about it, going through its terms and conditions and knowing what current users say about it. Only download apps from the official app store.

10. Buy from a reputed merchant
Before making payments online, make sure your merchant is reputed and trusted. Websites of many small merchants are not secure enough to prevent data theft. If you think the merchant is not trustworthy, don't pay online. Opt for cash on delivery. more