How to pay on the Internet so that the money is not stolen?

[Lead] [P] “Paper” in partnership with Sberbank publishes material on the safety of payments and financial literacy in the banking sector. [/p]

[P] Is it safe to pay for goods on the Internet, who is responsible for erroneous online payments, what is happening when we enter the data of our card, and how to make them get to scammers? “Paper” and expert of the North-Western Bank of Sberbank Pavel Tatarenko answer the main issues of payment for payment on the Internet. [/P] [/LEAD]

Is it safe to pay for goods and services on the Internet?

The guarantor of the security of your payment is the battery bank: it is obliged to ensure that no one haches the online payment page. However, there are other ways to get access to your card, for which the bank is no longer responsible. Therefore, with payments on the Internet you need to behave in about the same way as with cash and valuable things: you do not let everyone look into your wallet or not give the keys to your apartment to your wallet.

Who guarantees that my money will reach where it is necessary?

The online store has an agreement with the bank. The client does not see these relationships and buys a product or service within the framework of one continuous process. The responsibility for the fact that the money will reach precisely on the details that the online store put down on the bank.

Is the amount of payment on the Internet limited?

Yes, the bank establishes restrictions on online payments to prevent large-scale fraud. Each bank chooses limits on its own. At the same time, a large amount, by the standards of online payments, can be considered, for example, even 15 thousand rubles. In addition, regardless of established restrictions, the bank can block the transaction, considering it doubtful. When conducting a large online payment, you may be asked to undergo additional verification: for example, using the confirmation code for SMS or call to the call center. In addition, the card holder can set himself limits for paying online to avoid random write-offs, for example, due to incorrectly introduced amount.

How do online translators protect from scammers?

Banks use various protocols for encryption of payments. One of the common is 3D-Secure, originally designed for VISA cards. Other payment systems switched to it, including MasterCard. The difference between 3D-Secure is that in addition to the main data, the card holder must enter a disposable confirmation code that comes according to SMS. In general, Internet acquiring is considered quite safe. Most often, problems arise due to theft of the card data.

Does anyone have access to my card data after I paid on the Internet?

When you enter these cards on the page of the Bank-Ekwayier, they remain inaccessible to the owner of the site where you make a purchase. He can only see the mask of your card - the first and last four digits of the rooms, as well as the name and surname. In other words, the seller sees only the open data of his customers. Therefore, if you are dealing with the site that has entered into an agreement on the installation of the acquiring system with the bank, then your card number will not go beyond this system. Personal information of customers is available only to the bank and is used to verify customers.

How can scammers get the data of my card?

With the distribution of online payments, scammers invent more and more ways to “intercept” your card number and CVV code. For example, phishing sites are pages that outwardly repeating a well -known resource. Fishing sites can be disguised as real in a variety of ways: URL with typos, fake subdomains, outwardly correct links that lead to another address, and so on. When you enter on such pages the data of your card, your secret information comes to scammers. Or fraudulent sites that are not phishing, but created by attackers. Such resources can be recognized by the pop -up windows that arise when paying for the goods, or on the request, in addition to standard information, the mobile phone number or passport data. A common type of fraud is dubious SMS and calls. A person is sent to a person similar to the bank’s appeal, or they allegedly call from the bank with a request to confirm or provide detailed data from the card. There are also viruses that can “infect” both the computer and the site of the online store. On phones, tablets and computers, malicious programs can get by SMS, mail, through extraneous sites. Using viruses, scammers can access data that you enter when paying on the sites, or to your recorder or camera. In addition, hackers can connect to Wi-Fi and track everything that you enter through the keyboard. In this case, even despite the security of the banking page of payment, your card number “leaks” to fraudsters. Therefore, it is important to use only the proven Wi-Fi channels.

Is it safe to tie a card to mobile applications like taxi services or food delivery?

If we are talking about a reliable service, then yes. In fact, you conclude an agreement by which, say, a taxi order service has the right to write off the funds for the service from your account. At the same time, you enter these cards only once, which is safer than entering them again with each order.

Will they return money to me if the payment still passed wrong?

It depends on the reason why the payment was in the wrong way. Often the fault for incorrect payment lies on the buyer itself. For example, if you accidentally chose the wrong product or, when paying for the bill, incorrectly indicated the details of the recipient. In this case, the online store does not bear responsibility for this. It is more difficult if the money mistakenly went to another organization. If you paid for something on the phyting site, taking it for the present, then this is also considered your mistake-and no one is obliged to return the money to you.

Will the bank return the money if they were stolen from the card?

It depends on whether it happened by your carelessness or the fault of the bank. If the client independently approved fraudulent actions, for example, answered the SMS of attackers, dictated to someone his bank card or pin code, then he is to blame. If the money from the card was stolen by hacking the bank security system, or due to the fault of its employees, the bank is obliged to reimburse the funds.

How to understand that the data of my cards turned out to be the attackers before all the money was withdrawn from her?

The obvious signal that the data of your cards has been known to someone will be SMS where the full bank card number is displayed. With the help of such messages, scammers can, for example, ask you to authorize the payment. In such a situation, it is better to immediately block the card through the support service or online banking and overpass it.

What needs to be done so that scammers do not rob?

The easiest way is to start another bank card designed specifically for payments. This will protect at least the main part of your savings from fraud. Then your account, where savings or salary is stored, will be isolated from attempts to hack fraudsters. You can also create a virtual card, such security will not be inferior to the usual one. True, it is suitable only for Internet purchases, and an additional bank card can be used to pay in ordinary stores. Here are a number of simple, but effective tips: - Make sure in advance that you pay on a reliable resource and that this is not a phishing site. -Carefully watch the URL, do not follow the links from dubious mailings, use trusted online stores. Check the pages with the contacts of the site owners. - Do not pay if you begin to request additional data. Everything that you may ask for during the standard payment: card number, name and surname, CVV, card validity and confirmation code. If, in addition, you need to enter the phone number, and even more than passport data, it is better to abandon the operation. - Do not send a security code or card number in response to dubious messages (or better - do not send at all). -Use the proven Wi-Fi. In roaming, try to use your SIM card. - When buying goods on the Internet, do it from your computer. - Install a good antivirus. - Put the phone on the lock. Protect access to the phone and other gadgets with a reliable password. Because if you lose a phone or tablet on which you have a bank’s mobile application, then without a password, any that found it will be able to access your accounts.