Online payment: 7 tips to avoid the risk of hacking

Choose double security with your bank

Two precautions being better than one use the double payment securities now offered by most banks. In addition to the traditional visual cryptogram (generally a three-digit code located behind your card), you can validate your online payment in a second step. Usually by entering a code which is sent by your bank just after payment. This is most of the time a code sent by SMS that you must enter to confirm your order. Sometimes you also have to open your bank’s app on your smartphone to complete the transaction.

Make sure the page is secure

It is strongly recommended that you make your purchases on a website with “https” security: there are indeed 2 types of websites. Those whose address begins with “http: //” and those whose address begins with “https: //”. Avoid making your purchases on “http: //” sites and do not create an account on a site when it begins because the information (password, personal information, banking information) can be intercepted by third parties (beware; this condition is necessary, but not sufficient). Your satisfaction a safe payment gateway for online gaming can be used.

Avoid saving your bank details

Think twice before saving your card number on your phone or computer. Some applications and some internet browsers allow you to save your details so that you do not have to type them again later. A method not recommended by the CNIL: “these terminals are not necessarily designed to guarantee optimal security of bank data”.

Ensure your overall digital security

Even beyond the necessary vigilance that you must show when shopping online, being vigilant about your digital security on a daily basis will allow you to secure your payments even more. As such, following a few basic tips can be helpful:

Secure your computer terminal: regularly update your equipment, use an anti-virus and a firewall, secure your access to Wi-Fi, etc.

Check your online bank account regularly: to check that no questionable transaction has been made. Secure your passwords: vary them, reserve each of them for one-time use and create passwords that meet all the security conditions (use special characters, at least one capital letter, and one number) Use your e-mail in a secure manner: read the information contained in e-mails carefully, do not click on attachments or on links that appear questionable, etc.

In the event of an incident, first contact your bank.

If you find that you have been hacked following an online purchase, first contact your bank to oppose your bank card and then request reimbursement of fraudulent transactions or request the allocation of a new bank card. The opposition on your bank card can also be carried out via the interbank bank card opposition service 0 892 705 705 (open 7 days a week and 24 hours a day), premium rate number: cost of a call to a landline number + € 0.34 TTC / min, from a landline or mobile phone.

You can then report this hack on Perceval, the platform for reporting bank card fraud.

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