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What to keep in mind while making payment to avoid online fraud?

Highlights

Make payment from such well-known apps, which have high downloads and good ratings.
Do not use public WiFi at all while doing any transaction.
Do not click on a link sent by an unknown person. This could be forgery.

New Delhi. As we are entering the digital age, the thugs or the fraudsters have also made themselves digital. No one knows when these people fraudulently take money from your bank account or wallet of any app. We read and hear such news every day.

This is the reason why the fear of being fraudulent while making payment in online shopping haunts many new smartphone users. Since the payment of everything or convenience in cities is now being done through smartphones, then it is necessary that the transaction is completely secure. Here we are going to tell some such things, which will prove to be effective to avoid online fraud and you will not be a victim of any fraud.

1. Use only such payment apps
There are many mobile apps for making payments. But, you should keep in mind that the app should be used only, so that the rating of the users is good. Download the app from the Play Store itself and before doing so, also check its verified badge, and only then download the app. Most of the apps compromise your security for net banking or online payment.

Phone Pe app is the most used in India. Apart from this, Google Pay, which is from Google itself. Paytm which was more discussed at the time of demonetisation. Bhim is a transaction app brought by the government. Paypal works well for international payments. You can also use Amazon Pay, Jio Money and Mobikwik.

Also read: Amazon Deals! Free up to 68 liters of fuel is available on Citi Bank card, 5 thousand voucher also…

2. Do not do any transaction with public WiFi
Many smartphone users use public WiFi in the pursuit of free internet. Free WiFi is available in places like metro, railway station, park, coaching. If you want to make any payment, then use your secure internet data only. Otherwise, online transactions done over free WiFi can pass on personal information related to your bank to someone else.

3. Do not share OTP with anyone
Be it digital payment or any payment related to the bank, OTP number definitely comes on the mobile. Your transaction process is completed only by filling this OTP. Keep in mind that do not share your OTP number with anyone, otherwise it may be used for miss.

4. Do not click on unknown links
Nowadays, cybercriminals keep sending many fake links to mobile users through messages, or try to entice them by pretending to give free gifts. Ignore all such messages and block them wherever they have come from. Even if you get such a message in the name of the bank with your account, then call the bank once.

5. Make Web Browsing Smarter
Always use shopping websites whose users are in crores. Like Amazon, Flipkart, eBay, Snapdeal etc. Nowadays there are many such websites, which take orders, but then do not deliver the products. Overall, this is a fraud business. Even if you are transacting with the bank, check the URL of its website several times. Do not share your private information with any third party bank or financial company. On a phone call, if someone unknown asks you for your ATM PIN, bank detail number, then do not tell even by forgetting.

6. Be careful even when using the card
If you are using the card for payment anywhere, then also take a look at the card reading machine. It must be known whether the POS machine is correct or not, sometimes some clever ones even hack your card from the POS machine. Therefore, first check which bank the machine belongs to. The company of the POS machine can also be ascertained by looking at the bill of the machine. Apart from this, also see there swipe area and keypad.

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