We use cookies on the site to improve our service. By clicking any link you are giving consent for use of cookies. Click here for more information
Personal
Business
online-payments

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 sponsoring participants in money-raising activities. There are, however, risks associated with online payments and you need to take care when making them.  

The Risks

Get started...
  • Ensure you are on a genuine website.
  • Ensure the website is secure before entering payment details.
  • Fraud resulting from making payments over unsecured web pages.
  • emails directing you to fake websites set up to collect your payment card details. 

Safe Payments

Online payments are normally part of your arrangement with a service provider as an alternative to payment by Direct Debit or cheque. In most cases, therefore, the payee will be familiar to you, but you must take care to ensure that you are on the provider’s genuine site. 

  • Remember that paying by credit card offers greater protection against fraud than with other methods.
  • Double check all details of your payment before confirming.
  • Before entering payment details on a website, ensure that the link is secure, in three ways:
    • There should be a padlock symbol in the browser window frame, which appears when you attempt to log in or register. Be sure that the padlock is not on the page itself ... this will probably indicate a fraudulent site.
    • The web address should begin with ‘https://’. The ‘s’ stands for ‘secure’.
    • If using the latest version of your browser, the address bar or the name of the site owner will turn green. 
  • When making a payment to an individual use a secure payment site such as PayPal – never transfer the money directly into their bank account. 
  • Check the website’s privacy policy.
  • Always log out of sites into which you have logged in or registered details. Simply closing your browser is not enough to ensure privacy.
  • Keep receipts – electronic or otherwise.
  • Check credit card and bank statements carefully after payment to ensure that the correct amount has been debited, and also that no fraud has taken place as a result of the transaction. 
  • Ensure you have effective and updated antivirus/antispyware software and firewall running before you go online. 

 

More Information

 

If you think you have been a victim of fraud: Report it to Action Fraud, the UK’s national fraud reporting centre by calling 0300 123 20 40 or by visitng www.actionfraud.police.uk

Action Fraud Logo

 

See also...

 

Viruses & Spyware
A basic understanding of computer viruses and spyware.

Firewalls
What a firewall is, and how it protects your computer.

Spam and Scam Emails
A few simple rules about dealing with spam and scam emails.

Safe Internet Use
Some valuable tips on using the internet safely.

Shopping
Check out these great tips for your shopping basket!

Banking
Simple advice on how to keep online banking safe.

Transferring Money
Transfer money safely using your mobile.