19 Aug How to buy online safely?
A study prepared by Visa determined that of every 10 online stores 6 made their sales by means of credit cards. The rest of the transactions were made with branch deposits, online transfers, cash in convenience stores and others as easy payment or Paysafecard cards.
Although the growth has been exponential, there are still Mexicans who do not dare to make this medium a shopping channel. Two of the most important reasons are the fear of providing information on the card and the lack of confidence to give personal information.
The Internet has not only become a very powerful communication platform, but also the largest commercial showcase in the world. There is nothing that is not achieved through this, from clothes, food, makeup, appliances, domestic services, hotel reservations, tickets for shows, music, books, and so on.
Only in 2013 sales through electronic commerce in our country were $ 121.6 million pesos, much higher than those reported in 2005, when they were only $ 24.6 million pesos. Today in 2019 they already represent $ 13 million dollars, positioning Mexico as the first place in retail electronic commerce in Latin America.
If you are from the group that still does not buy online, we give you some measures that you can implement so that your online purchase is completely secure:
Take care of the data you provide on your card
- Do not provide your credit card information (credit or debit) to businesses that do not inspire confidence. Search reviews and comments to know how reliable they are.
- Generally the information requested for an online transaction is the card number (the 16 digits that appear on the front of it), the expiration date, if it is VISA or MasterCard, the issuer of the card, the name of the cardholder as it appears in it, verification number of the same (CVV and are the three digits of the back), as well as your address and telephone number. They never ask you for the confidential number you use to withdraw cash from your ATM or your keys to Internet banking.
- Both Visa and MasterCard have alternative security systems for transactions. In some cases, if your card is linked to your cell phone, they send a code to your phone via SMS to complete and authorize the purchase. In other cases you get a request for a confidential number that you had to register in the bank previously for this type of transaction.
- Once you have completed the purchase, save the vouchers that have been generated, this will serve you in case there is any subsequent claim.
- Monitor the purchases you make online on your account statement. Verify that only the total amount has been paid for the purchase made.
Additional security tips in your online purchases
- Buy in safe and recognized places. For example, if you need to do house purchases, opt for the electronic site of the commercial chains already recognized. It is even likely that the supermarket you usually go to has its own online site.
- Investigate the reputation of the site where you plan to buy.
- Review the data privacy, delivery and return of merchandise policies.
- Use a secure data connection.
- Many Mexican sites have the Seal of Trust of the Mexican Internet Association (AMIPCI). This is a security certificate that the Association grants to legal businesses and that have measures to accept secure online payments.
- Before making the purchase check that the product is truly what you need, research your technical sheet or its characteristics and make sure that the price that the trade offers you is competitive.
- Do not use public computers like cybercafes, as they could have installed a program to steal information such as passwords and credit card numbers.
- Protect your computer with antivirus programs that have security support to navigate the Internet. Also keep it updated.
- Do not download uncertified programs on your computer, many are spywares that collect information from your computer to send it to someone outside without you noticing.