It’s funny to see how There are people who still think that buying online is not safe. They think they’re gonna steal the card’s data and use it for evil purposes and illegitimate purchases… or just that they’re gonna pay and they’re never gonna get the product. Let’s see how to buy on the Internet safely and see if we can lose our fear once and for all.
When you ask me, I say it’s like in the physical world: depending on where you buy Me. I put a lot more calm my card on the card reader from Carrefour that at that street stand in Taiwan where I bought a lego of imitation. And for the record, I have nothing against Taiwan, but just… I didn’t get the same good (and sure) impression.. In this post we will see some tips and things to consider before giving our card number over the Internet.
The most important thing: where are we going to buy
Following the same with the physical world, You have to find trust stores.. Obviously this is not always possible, sometimes we need a rare article that is not in Amazon or we want to take advantage a web offer… or we want something very specific that is only found on the website of the Taiwan manufacturer So what can we do?
First of all, let’s take a look at our browser to see that we have the little candadito in the address bar. The little candadito today does not provide on- line confidence as almost anyone can install a legitimate certificate to show this green lock but this certificate tells us that the web is using HTTPS protocol and that all communications are encrypted between our browser and the server with its database… that is, that No one could capture the data on our card while travelling on the Internet.. No, this doesn’t solve all our tests.
As we still don’t know if the store can be trusted, so keep reading.
Another good idea could be to look a little bit for Google to see what the buyers of that store think, I’m sure if it’s a fake store someone has complained about before. If you do this, you will be surprised to see how many times people ask about the confidence of an on- line store in ForoCars.
Is there a pay walkway?
Mola the name of ‘pay walkway’, right? the management of our card will not be done by the store in question, but they implement the method of payment of a trusted third party. It’s quite common in Spanish stores. I mean, when you enter your card, you are redirected to a secure website of Sermeta or Redsys that are recognized Spanish entities and they will be the ones who talk to your bank to ask for the balance and verify the transaction. This solution is ideal.
PayPal
Since the Spanish paywalk is not too implanted in the rest of the world, in some shops we will find that it is possible to use PayPal. In case PayPal is supported, we can breathe easy. PayPal is an international and wide-ranging paywalk on the Internet. It allows us to associate a card or bank account to our PayPal account so that we can pay with this platform… that is, We in the store enter our PayPal user and it will be these who will check if we have balance in the account and
of validating the transaction.
Not happy with this functionality, PayPal implements a method of recovery of payments that do not have Spanish walkways. If you get the product in bad condition, you don’t get it, or you just want it back because it’s not what you wanted, PayPal blocks the money and neither gives it back to you nor gives it to the store where you bought until the mess gets clear.. This type of incident opens up a direct communication path between the buyer and the seller to clarify the misunderstanding and, if you do not get to a good port, then ‘arbitra’ PayPal and asks us for photos of the product or ask both parties what has
past to mediate and act as a judge. Of course all this is regulated and works to the thousand wonders always priming the protection of the buyer.
Oh, one more thing, PayPal allows us to send money to our contacts (yes, like Bizum or Apple Pay Cash… but for years), very useful for example if you pay for dinner and you have to give it your part or if we buy a second-hand product and we want to use PayPal as a payment method to be able to use your security mechanisms if necessary.
Hey, another one I forgot! Related to the latter, You can have balance in your PayPal account in a pre- paid way and use it as you like.… both in future purchases and for payments between friends or enter it into your real account if you don’t want to have it there.
Come on, I’ll leave you a few minutes before I keep reading the post so that you open an account in PayPal generating a very secure password as we saw in that post a few weeks ago (keep in mind that if someone gets into your PayPal account, you can send money to your own or buy things from your real credit card, your real bank account or your PayPal balance) and use it the next time you’re going to make an Internet purchase (except
in Amazon, which seems to be taking out their own paywalk soon and they don’t want to stand PayPal).
Card / Against Reimbursement / Transfer:
Some websites offer various methods of payment for your products: enter your card number, against refund or transfer. A priori, It might seem that the counter-refund method is the safest as you pay when you get the package but unfortunately You can’t open the package. to check that the content is the one you expected, so it might be that you received a package, you pay it and it was full of pedruscs. Introducing your bank card has the risks we’ve already discussed before. If the web is not of absolute confidence, you may have a problem… (tranq
uilo, you can buy in Zara without any danger, I mean chungas websites of those who say you can buy RayBan for 20% of their real price and are not even well translated). However, some banks (almost all Spanish) offer the possibility of creating a virtual card you can fill out, so on the shopping websites you put the numbering of this virtual card and, if it’s a fraudulent website, at most you could disappear the balance of that card… so you’re filling it with the exact balance that
you need for the next purchase and fix.
The method of bank transfer is also safe from the point of view of the transaction itself… but usually takes several days until the transfer comes to your account and the store in question is able to check and send you the product. In addition, in the case of banks outside Spain, even may have commissions that increase the price end of product.
There are other paywalkways how Apple Pay (yes, the same method we used to the payment with the mobile we already commented on), the German company Boon, etc, but are much less extended than PayPal, so whenever you can and are available I recommend using your PayPal account that you created at the point above.
One last warning! Never will anyone ever ask for your credentials, your card number, your PayPal account or your PIN to access your bank by e-mail. Sometimes, e-mails are received that tell us that there has been some security problem and that we must access our bank / account to solve it, so they give us a link to make click And let’s go straight to check it out. If you ever get this kind of e-mail, you have to see if it’s well-written. (bad people sometimes use automatic translators to send them in several languages), in if the R-sender
EAL is who it says it is. (looking at the email address: BBVA _ support @ gmail.com does not look like a real address of BBVA, right?) and, if all this seems real, instead of doing click in the link they have indicated to us in the mail, Open your own bank / account website to see if once inside you have any security notification. Do not click on the link you are sent by mail. The default rule in these cases is always distrust, it is better to delete the mail And if the bank has something to tell us really, they’ll get back to us.