5 Online Credit Card Payment Security Tips

Making purchases online is a convenient part of life anymore, but online credit card payments can pose some risks. Here are just a few things you can do to make it a safer environment for you.

Keep Your PC up to Date

Make sure you to keep your virus and spy-ware software up to date and run it often. There are many online bugs that are designed to track and record your personal information. Viruses that track your keystrokes are very useful to criminals as it will give them a log of everything you typed. If you made a purchase with your credit card and had to key in the number and security code, a would-be criminal now has everything they need to wipe you out. If you don’t have virus protection on your computer, you should avoid making any purchases online until you do.

E-Wallets

Some software programs offer the use of an e-wallet. Basically this will prevent key logging viruses from gathering your information. Your address and credit card information is stored in a program on your computer that you sign in to using a password and username. This software then fills in the blanks for you so you don’t actually type anything in.

Virtual Cards

While virtual cards aren’t terribly popular, they do offer you another level of protection when you make payments online. Virtual cards involve using a false card number that you can use to make a purchase. This number revolves, and won’t be able to be used again. A virtual card will mask the real account number so hackers won’t be able to steal it. If you are worried about your internet purchases, you may want to contact your card company and see if they offer virtual cards.

SSL and TLS Verified Sites

When dealing with an online store or making an online payment, you should make sure the site has the proper security in place to protect your information. An SSL certificate or the less common TLS certificate ensures that your credit card information isn’t floating all over cyberspace for some thief to grab.

Secure Your Email

If you make a payment online, you are usually emailed a copy of a receipt or an invoice. If your email address isn’t secure, you can find yourself giving away credit card information to hackers. Print the receipts as soon as you get them, then discard the emails, and make sure you are purging the trash as well. A discarded email can still linger around your box for months if you aren’t permanently deleting them. Make sure you are changing your passwords frequently on all your email accounts and don’t leave emails with sensitive information in your inbox.

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