We all want to shop through the internet. In statistics, In Feb 2021, there were 3.4 million people who used online baking systems for their needs. And it becomes 6.57 million, Feb 2023.

So day by day it increased. But it is also risky if we do not securely execute the things.

Here are some ways to shopping, banking and make payments securely

• Counterfeit Goods

Counterfeit goods – fake products deliberately made to seem genuine – have been produced and sold for many, many years, but the growth of the internet has made it easier for more counterfeiters to sell more goods to more people. Many are so skilled that it is almost impossible to determine a fake from the real thing.

Here are some tips that you avoid this kind of unfamiliar things .

a) Buy only from reputation sellers

b) Read terms

c) Read reviews

d) Beware of social media ad goods

e) Check seller info

f) Check return policy

g) Never pay online for goods

• Voucher/gift card scam

A voucher or gift card scam takes place when unsuspecting victims are approached by fraudsters and persuaded to pay bills, fees or debts using iTunes gift cards or other vouchers.

• Loyalty Card Fraud

Loyalty schemes operated by retail, hospitality, entertainment, travel and dedicated card businesses have become very popular to the extent that they represent a billion-pound industry. Schemes vary in how they operate: some reward customers with a simple discount off purchases, whilst some offer purchases from third-party organisations as well as the issuer.

• Call Recording Services

A number of websites have sprung up offering call recording services, whereby calls you make to an organisation can be recorded and stored, so that you can prove what was said in the conversation in the event of disputes. You dial a specific number allocated to a bank or other organization you wish to contact and are put through to that organization so that you can make the call in the normal way. However, the call is recorded by the call recording service. You can subsequently access the recording on request on the call recording company’s website.

• Mobile Banking

Using banking apps or mobile websites on smartphones and tablets – is growing rapidly in popularity as people realize the benefits of the convenience of checking accounts, transferring money, and making payments from the comfort of their armchairs or whilst out and about. The major banks invest heavily in security to make your mobile banking experience safe and secure. However, it is your responsibility to ensure that you are using mobile banking responsibly to protect yourself and your finances.

There are some risks to making payments online through our phones. If you can't use an official or secure website to make a payment then your personal details can be leaked or it can be accessed by a third party.

Here are some tips to avoid these kinds of unfamiliar things:

• Contactless Payments

Contactless technology is becoming increasingly commonplace as a means of making payments or sending information. The process – enabled by a technology known as Near Field Communication (NFC) – works by means of a wireless chip containing the user’s payment card details, embedded in a mobile phone (identified by the symbol shown on this page) or on a payment card. Whether contactless payment is fast and convenient, users are also open to potential security and safety issues.

• Charity

• Auction

Online auction sites are a highly popular way of buying and selling both new and second-hand goods. There are, however, risks associated with using auction sites – some of which are different from normal online shopping. Therefore you need to take care with what you are buying and from whom, who you are selling to, and how you pay for your purchases or get paid for items you are selling.

• Buy & Sell Products

It has never been easier to buy or sell products than it is now … thanks to the internet. The ability to upload and view photos and vehicle descriptions, and contact buyers and sellers – all with a click – have transformed the business, and people’s experience of buying and selling. However, the internet has also made it easier for dishonest buyers and sellers to defraud larger numbers of people, so there are a number of things you need to be aware of before going online to buy or sell a vehicle.

• Buy Tickets

Watching your favorite band, team, or stand-up comic from the comfort of your armchair is great, but it’s nothing like being there live, on the day. People can buy their tickets from sources other than official websites. However, one in ten people in the UK have been victims of a ticketing scam online, paying for tickets that do not exist, being refused entry to an event, or revealing their payment card details to an identity thief or fraudster.

• Online Payments

Using the internet to make payments to utility, phone, credit card, insurance, and other companies saves considerable time and effort. It is also a simple and convenient way to contribute to charity either directly or by sponsoring participants in money-raising activities. There are, however, risks associated with online payments and you need to take care when making them.

Here are some tips that you avoid this kind of unfamiliar things .

a) Check the organization

b) Report it to your bank

Here are some tips that you avoid this kind of unfamiliar things :

a) Never reveal the card number

b) Not post photos of cards on social media

c) Select a strong password

d) Change your password

e) Never enter personal details in the account

Here are some tips that you avoid this kind of unfamiliar things :

a) Careful about the contact number

b) Careful about bank number

a) Ensure mobile privacy

b) Keep updated apps

c) Log out from all sites and apps after a transaction

d)Beware of email notification

Having your financial information stolen – or your card cloned – by the wireless signal being intercepted by fraudsters. The information being sent by your NFC-equipped phone is corrupted or modified by a third party during transmission. Your financial information is not being properly deleted when you dispose of your NFC phone.

So, if you save your NFC equipped properly then it could be easy for you to avoid many unfamiliar things. Protect your contactless payment cards by investing in special sleeves or wallets so that they cannot be intercepted by others, or used by you accidentally to pay for your own or others’ purchases. Make sure you read and understand your bank’s terms and conditions so you are clear about who holds liability in the event of an incorrect payment or security breach.

Charities rely on donations from the general public and businesses to carry out their work, especially in tough economic times. Most collections and appeals are authentic and legitimate, but unfortunately, fraudsters can exploit people’s charitable nature and steal money that the donor thinks is going the help the charity. One of the most common ways of doing this is online. Do not stop donating money to the good cause of your choice. Instead, take a few simple precautions to protect yourself – and your chosen charity – against online fraud.

You must visit charity personnel before you donate and also make sure that your money is not going to be wasted.  check your bank statement properly. Do not respond to requests to donate through a money transfer company such as Western Union or MoneyGram, as this is a tactic commonly used in scams.

If you are new to online auctions, take the time to read the online guides provided by the auction company so you understand how the system works and what the rules are. Use a login name for the auction site that is different from your email address. If the seller is a business, check their real-world existence. If they provide a phone number or address, give them a call. Sellers outside the UK may be harder to chase in the event of a problem. Be clear about methods of payment and whether any of these incur a surcharge.

So, Always complete your payment after receiving your products. There are so many illegal website that has been doing scam to people. If buying from a dealer or supermarket, check up front that the advertised price is the total price and that you will not be charged ‘admin fees’ or other additional costs.

Always keep in mind that you have to buy tickets from the official website. Double-check all details of your ticket purchase before confirming payment. The above indicates only that the link between you and the website owner is secure, and not that the site itself is authentic. You need to do this by carefully checking the address for subtle misspellings, additional words and characters, and other irregularities. Check sellers’ privacy policy and returns policy.

Using the internet to make payments to utility, phone, credit card, insurance, and other companies saves considerable time and effort. It is also a simple and convenient way to contribute to charity either directly or by sponsoring participants in money-raising activities. There are, however, risks associated with online payments and you need to take care when making them.