How fraudsters obtain bank card details and how to protect yourself
Fraud is a tricky business. And avoiding it when shopping online is even trickier.
Therefore, we will tell you how fraudsters can obtain your card details, how to protect yourself from theft, and how we ensure the security of purchases on Kupi.com.
How fraudsters can get someone else's card details
There are several ways fraudsters pay for purchases with someone else's card.
Card lost or stolen by fraudsters
If fraudsters have the card in hand, they can enter the details and pay for any transaction from the account linked to the card. Many online stores do not require confirmation via SMS code or push notification (3-D Secure technology). If you lose your card, it's best to block it immediately in your online bank or call the bank's hotline.
To avoid falling for such a trick, pay for purchases via phone or using a payment sticker.
Sending fake purchase notifications
A situation many are surely familiar with. Fraudsters send a payment notification from a number that resembles the bank's official number. After this, they call, posing as bank employees, and ask for personal card details, an SMS code, or to transfer money via phone number to a third-party account.
Protecting yourself from fraudsters in such a case is quite simple: do not share personal data or transfer money. If funds have been debited from your account — you must immediately inform the bank.
Personal data breach occurred
This situation occurs because the buyer enters personal data on a phishing website or shares it with third parties.
You can protect yourself from personal data leaks by not saving data on the website after purchase and not sharing it, even with close relatives. If you find out that a data leak has occurred, it's best to block your card immediately.
Why it's safe to buy on Kupi.com, and how we ensure fraudsters cannot use someone else's card on our service
We usually ask users for an SMS code for two-factor payment authentication, which helps protect personal data.
Kupi.com services have built-in automatic security verification systems. We configure them so that the user receives a payment error and the operation is declined. In some cases, a request is sent to the security department for additional manual verification. After employees determine that the payment is unauthorized, they send a payment refusal and request additional data from the client who made the payment.
If fraudsters have gained access to your card details and made a payment on our website, you can write to our Customer Care chat. We will advise you on what to do and respond to requests from the bank and police to help you get your money back.
We hope all your travels will be safe in every sense!
