Safe Online Transaction Checklist for the Smart Shopper

Online shopping has given consumers the convenience of getting goods and services delivered to them with just a few clicks. Everything can be done right in the comfort of their own homes, or via an Internet connection wherever in Australia they might be.

All purchases it seems, once confined to the walls of bricks and mortar stores, can now be made in online stores. These include purchasing items using online vouchers and taking advantage of online discount shopping.

But as with traditional stores, there are risks associated with online transactions if security measures aren’t taken beforehand. To ensure a safe and secure online transaction, follow this checklist.

Make sure you have a secure Internet connection.

When transacting, ensure your connection is safe. There are certain features on a website that will tell you the site is secure. Among these are: the padlock icon is displayed, https is used, and the EV certificate is valid. As a safety measure, you should not enter your credit card details on a website that is not encrypted.

When using a wireless Internet connection, also make sure this is protected. Privatise your personal Wi-Fi connection. Also be wary of using hotspots you are not familiar with. Don’t be tempted even if they’re for free, like the ones offered in coffee shops. If this is a network you’re not familiar with, don’t take the risk of making transaction using this connection.

Use a reliable payment method.

Avoid using money transfers and direct debits. It’s better to use credit cards because banks and financial institutions have more incentive to chase fraudulent transactions, and take advantage of one-time credit card numbers offered by banks, where possible. Remember not to give any account details through email though.

Make transactions only within the website.

Never make transactions outside of the website, like doing direct buyer payments or making transactions through a private contact. This is to avoid scams that may be plotted by seller-scammers.

Never give out personal information.

Don’t give out your social security number, birthday or other personal information online without being certain it is a secure and legitimate site. This will help you avoid identity theft.

Use strong and uncrack-able passwords.

Make sure to use strong and uncrack-able passwords for your online buyer accounts. One tip is not to use your birthday, your address, your husband or wife’s name, your children’s names, or your pets’ names as the password. Create a password using a combination of numbers, letters, special characters and capitalised letters. Passwords employing a combination of these are ultimately more difficult to crack than regular words.

Clear browsing history.

It is not advisable to use public computers when making transactions. But if you can’t help it, make sure you clear the browsing history, cookies and page cache when using shared computers. These include computers in the library and your work PC.

By following the above practices, you will maximise the likelihood of a safe and secure online shopping experience.

At Cashback Club we have a wide range of secure, trusted vendors you can choose from for your shopping needs. We also offer home loan and insurance trailing commissions refunds. Shop with us today!

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