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It is NEVER acceptable to send credit card details by email
 
Shopping from the comfort of our armchairs, with the world of commerce at our fingertips, has become second nature to us all. We see something we want and within a few clicks of the mouse and a few moments of our time, it is winging its way to our front door.

As the volume of our internet transactions have increased, so too has the frequency of credit card fraud and, all too often, a seemingly simple transaction becomes a lot more than we bargained for.

There isn’t a day that goes by where this fraud isn’t mentioned in the media, and most of us know someone who has fallen victim to it. Shocking, then, that even reputable companies are still regularly asking customers to provide their credit card details via email – hotels ask for them to be emailed when confirming room bookings, airlines often do the same, and even a luxury department store was in the news recently after asking customers requiring a refund to email their credit card details; ironically, the original details were not kept on file for security reasons.

A good rule of thumb, when it comes to sending credit card details via email, is to remember that anything you would not wish to send on a postcard should not be sent in an email.

Emails are not secure; they are sent, often unencrypted, over multiple networks and servers, and are stored, not only in the recipient’s sent folder, but also on the ISPs and email account host’s servers. Fraudsters have, at their fingertips, sophisticated programs designed to trawl through internet traffic, searching for credit card numbers. They are even able to detect the numbers when sent in multiple emails. Within seconds of you clicking send, your sensitive financial details can be in the hands of criminals.

No matter how reputable the company is, or how desperate you are to buy their product or service, always, ALWAYS, find an alternative way to pay, albeit by cheque or simply giving your details verbally over the telephone. NEVER send your credit card details via email.

More generally, when you are dealing with a company who takes online payments, always make sure the payment page is encrypted – look for the yellow ‘lock’ shaped icon next to the URL, or for URLs that begin ‘https’ (the ‘s’ indicating that it is secure).

If you are starting up as an online retailer or business, no matter how big or small your company is, you should make every effort to set up a secure checkout page, either by paying a host to provide an encrypted shopping cart or by investing in an SSL certificate to use with your own software. It is in your interests to provide a safe and reliable service to your clients and, it is worth noting that, asking customers to send credit card details via email often violates agreements your company has with credit card providers.

We all want a bargain, we all love convenience, we all love choice … internet shopping is only going to become more and more popular. By remembering that it is NEVER acceptable to send credit card details by email, both consumers and retailers can help make sure that we can all continue to enjoy the benefits the world wide shopping mall brings, while avoiding the pitfalls.

Moblo

© No permission is given for any reproduction of this article.

 
 
 
 
 
 
 
 
 
 
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I would like to say a huge Thank You to Yvonne at Moblo Website Design for creating our new website www.direct-techsolutions.co.uk  the website looks fantastic and very professional -

Louise

 
 
 

 

 
 
 
   
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