Make sure you use a secure website to enter credit card information.
Secure websites will use a padlock symbol in the bottom right
of the browser and the website address begins with ‘https;
rather than 'http'. Don’t be fooled either by a simple
padlock image in the body of the website itself. You need to
look for one that is in the browser itself. Click on the padlock
to check that the seller is who they say they are and that their
certificate is current and registered to the right address.
As part of the
technical integration and 'Go Live' process we always make
sure and confirm that a merchant has a 100% secure connection
if using an API. If they are using our secure checkout integration
payment page then this is secure at our end as standard -
On top of this we impose mandatory requirements
on all merchants when it comes to their website. If any requirements
are not met then the account does not go live. We also periodically
check that they are keeping to the rules -
Always make sure you have the right virus, spyware and malware
protection on your computer and always keep it up-to-date. This
give you the best level or protection. You don't have to pay
a small fortune for them either. Many free anti-virus programmes
such as AVG are very good.
Keep your browser updated
Use the latest version of your chosen browser and set the security
settings to high. Also never miss an update. These can be a
pain but they will make you safe. Some browsers, such as Firefox,
have virus protection built in - however this should not be
substituted for proper virus protection.
Use a credit card not a debit card
Using a credit card for online payments can be a good idea.
You are offered a higher level of protection if anything goes
wrong and it is easier to trace a merchant. This doesn't just
mean for fraud but if you have not received your item or it
is damaged. You can also do a 'Chargeback' if all else fails.
However regardless of whether ou use a credit or debit card
you do have the protection of the Consumer Credit Act 1974.
Did you know that you can now Chargeback
if you have paid on your debit card? The banks who issue debit
cards have only recently agreed to this, and there is still
confusion over how it all works. Therefore if your bank refuses
to recognise this new facility keep going.
When on a website looks for a physical address and telephone
number. A PO Box doesn't mean anything dodgy is going on, however
these can be harder to trace if the worst happened.
Check privacy policies and terms and conditions. As a merchant
it's part of the Visa and MasterCard rules to have these on
a sellers website. If they are not on there ask yourself why
Do some digging and Google the company to see if anyone else
has had problems. What do people say about them? Do remember
that the person who said "the customer's always right"
was mostly likely a customer. Therefore be careful of reviews
from people who could simply have an axe to grind when in fact
they were in the wrong. Also it's not only customers who can
leave feedback, so can competitors.
When setting up
a merchant account for a customer we spend a lot of time on
due diligence, investigating the business, their terms and
conditions, privacy policies and also the person(s) running
it. We also use one of our greatest tools - Google. This helps
us see what people are saying about a company.
If everything is ok we provide an account.
If not then we cancel their application. Depending on what
we discover we may even report them to the relevant governing
bodies and pre-warn other PSP's - read
Be aware of scams and dodgy links
Be very wary of anything that is offered in spam or unsolicited
email. Especially the ones from banks. Never navigate to sites
by clicking links in an email. Whenever possible, enter the
url (web address) manually. If you think you're being redirected
somewhere you shouldn't be close the browser straight away and
run a virus and malware scan. Finally if a price looks too good
to be true, it probably is.
We will NEVER
send a merchant an email or a link direct to a website asking
them to enter their banking or card details.
We DO NOT hold any card details whatsoever.
Therefore if a customer who has recently made a purchase on
a website that uses our merchant account system is experiencing
problems, we will not provide ANY merchant details.