How to Prevent Online Shopping and Debit Card Fraud.


The Electronic Payments System is being targeted more and more by fraud. In order to prevent you from being a victim, always be vigilant with your debit card activities. The ease of shopping and comparing products and prices online has made it an attractive option for many shoppers. If you notice any unusual debit card activity on your statement, please notify the bank immediately to see what your bank can do to help.

Using a card provides you with extra protection if things go wrong – protection that you don’t necessarily have if you pay by cheque or cash. In addition to this extra protection provided, there are steps you can take to safeguard yourself.

Incorporating the practices listed below into your daily routine can help keep your cards and account numbers safe.

  • Check your statements. Don’t wait for the statement to come; check your online banking regularly. Watch for transactions that you didn’t make.
  • Limit your online purchasing to one card. When you use more cards, you allow access to more accounts.
  • Invest in a reloadable card when making online purchases. Reloadable cards allow you to limit the amount you place on the card and are not linked to your bank account. For example the Nakumatt Global Card and the KCB Pepea Card
  • Open a second checking account specially used for internet purchases. Don’t allow this account to be connected to your other accounts. Transfer only the purchase amount into the account.
  • Keep record of your internet transactions. Check your email for a confirmation after you have made purchases online. Verify your mailing address with the post office and  ­financial institutions.
  • Save your receipts to compare with your statement.
  • Don’t give your information out over the phone unless you’ve made the call to a company you know.
  • Your bank should have your information on file, so, don’t give out any personal or card number information if you receive a call to “verify fraudulent activity.
  • Use an online payment service like PayPal.
  • Use familiar websites. If you’ve never done business with them before, ­first do an online search for reviews or complaints.
  • Destroy your card when it expires or when a new card becomes effective.
  • Memorize your PIN. Do not write it on your card or keep it with you. Never give it out.
  • Remember to pick up your ATM receipts before leaving the ATM.
  • Be aware of added fixtures to ATMs, Skimming devices allow fraudsters to collect card and PIN information.

Finally, your card company should be your first point of contact – not the police. It will be up to your card company and not you the account holder, to pass details to the police. Where an additional crime has been committed with the fraud, for example, you have had your wallet stolen or your card used fraudulently as a result of a burglary, or if you want to claim on your household goods then this should still be reported to the police.

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