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FIGHT THE FRAUD
DEAL WITH E-COMMERCE FRAUD
How to recognise and react to e-commerce fraud ?
Buying and selling online is normally safe and reliable but occasionally people fall victim to
fraudsters. This page gives advice about what to do when you are a victim of ecommerce
fraud.
SYMPTOMS
Typical online fraud symptoms include :
* You buy something but it doesn't arrive.
* You sell something and deliver it but don't get paid.
* What you bought doesn't match the original description.
* You hoped to win a lottery prize and paid an administrative or advance fee but didn't get
the cash.
* An online business opportunity wasn't as lucrative as you expected.
* You received a letter or email from someone who promised a share of a substantial
fortune in return for your help.
* You bought software that has been pirated.
* You made an unsuccessful investment based on advice received by email or a website.
IMMEDIATE ACTIONS
Don't hand over any more money !
-> Check with the buyer or seller to see if you can resolve the problem informally.
-> For auction, classified or other person-to-person sales see if the company that made the
introduction offers a dispute resolution service.
-> If you paid with a credit card, contact the card issuer to ask for an investigation.
-> If you paid using an online payment service, such as PayPal, or an escrow service,
check their website to see if you qualify for their fraud protection programs.
-> If you suspect that your identity may be used by criminals.
-> Learn more about advance fee fraud.
-> Where appropriate, keep print outs of web pages, emails and receipts and records of any
phone conversations in case you need to complain or take legal action.
SHOP ONLINE SAFELY
How to pick trustworthy online retailers and avoid scams ?
Millions of people buy online every day without any problems. With a bit of
common sense and knowledge, you can avoid problems with ecommerce.
RISKS
* Buying goods that aren't delivered.
* Goods which don't match the description.
* Delays and hassles with online purchases.
* Poor after-sales service.
* Misuse of your credit or debit card details.
DEAL WITH REPUTABLE SELLERS
Pick good sellers, especially when buying from private individuals;
Look for evidence of a physical address and telephone contact details;
Don't judge a person or company solely by their web site;
Be especially cautious when buying from overseas companies;
Check seller's privacy policy and returns policy;
Use an appropriate, safe means of online payment to get some protection against;
non-delivery
MAKE PAYMENTS ONLINE SAFELY
There are good and bad ways to send money online !
Whether you are a seller or buyer online payments are necessary and usually safe but
only if you choose the right method and take care to protect yourself.
WHAT ARE THE RISKS ?
Money transfer is often used by fraudsters to solicit payment for goods that are never
delivered and other scams.
Fake websites that collect credit card numbers which can then be used for fraud.
Bogus fake escrow services can be used to get payment for goods that are never delivered.
WHAT ARE ONLINE PAYMENTS ?
There are several different schemes for online payment.
Online credit or debit card payment. They are generally accepted by businesses when they
sell online. The card issuer or a third party such as WorldPay or SecureTrading verifies the
card information and pays the seller after deducting a commission. For consumers, paying
with a credit card gives them a degree of security against non-delivery or fraud but only for
transactions worth more than Ł 100 , EUR € 100.
Payments can be made by email using a service like PayPal. Money is transferred between
two electronic accounts which are topped up using a credit card or bank transfer and
accumulated funds can be moved to a bank account. These services often include buyer
and seller protection; allow instant payments and give buyers a degree of comfort that the
identity of a seller has been confirmed.
Other, less common forms of online payment include: SMS billing, dialler billing and pre-pay
accounts.
Escrow isn't a form of payment in itself but it is sometimes used for high-value online
purchases and auctions. This is what happens:
The buyer transfers the funds for the goods to a third-party escrow service, such as
Escrow.com, Auctionchex.com, Moneybookers.com (always use a trusted escrow service
which is recommended by an auction site).
-> The seller, confident that funds are available, ships the goods.
-> The buyer confirms receipt of the goods.
-> The escrow service releases the payment to the seller.
Money transfer, such as Western Union or MoneyGram, allows money to be sent to numerous
agents around the world where recipients can collect the money in cash. While it has
many legitimate uses, especially for sending money to friends and family, this form of
payment is not recommended for online auction or online shop payments.
Internet banking. Most financial institutions offer their customers the ability to check their
balances, transfer funds, and pay utility bills or friends and family online.
HOW TO PAY SAFELY WITH THE CREDIT OR DEBIT CARD ?
Never enter a card number unless you can see a padlock in the web browser window's frame
(rather than in the web page itself) and the website address begins https://. You may not see
this until you actually get to the page where you enter your credit card number.
Be wary of giving your card information to any site that you do not trust completely.
BEWARE SCAMS
If a deal looks too good to be true, it probably is. Cross-check information on the internet and
see if anyone else has had problems.
Beware of work from home scams which promise easy profits but never pay.
Buy from reputable companies.
Be extremely wary of anything that is offered in an unsolicited or spam email.
SELLING ONLINE
If you are a business selling online :
Validate new customers and suppliers using published information (e.g. address or phone
number).
Obtain a credit status report before shipping goods on credit.
E-commerce businesses are liable for any fraud on cards they accept (unless they are using
Verified by Visa' or 'Mastercard Securecode'. These systems can help protect businesses
from chargebacks that result from fraud).
Using the Address Verification System (AVS) and Card Security Code (CSC) checking systems
will significantly reduce the risks from e-commerce fraud.
Authorisation does not guarantee payment and so businesses must do all checks to validate the
customer and delivery address.
FOR MORE ADVICE ABOUT FRAUD AND ITS SOLUTIONS,
PLEASE VISIT WWW.GETSAFEONLINE.ORG
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