General Do’s and Don’ts for Safe Online Payments

      1. Regularly track your account Payments

        • Always check your account after making online payment.
        • Keep record of all the transactions made through your account. Make sure you are aware of all the payments made and received on your credit card. If you see any discrepancies, inform the bank immediately and lodge a complaint as soon as possible.
      2. Avoid sharing your details

        Your bank/merchant will never ask for your confidential information via phone or email. So never give your credentials in case you receive an email or phone asking for your details.

        Always Ignore Phishing Emails Seeking your Confidential Information

        • Any promotional emails from banks, websites or vendors seeking your banking information must be ignored and should be marked as spam.
        • Any email offering lucrative offers and asking your bank account information should not be encouraged.
      3. Use your Personal Computer for any financial transaction

        Always use personal computers, mobile phones or tablets for online transactions. Never use computers available in public places such as cyber cafes or libraries, for any kind of financial transactions. It is not recommended to do any financial transactions from a machine connected to public wireless networks/public Wi-Fi network as their security is unreliable and they are highly unsafe.

        • Always Use Virtual Keyboard
          For entering your personal information, always make use of Virtual keyboards provided on the website. Virtual keyboards are uniquely designed for high security purposes for making safe and secure online transactions
        • Use Virtual Credit Cards
          Virtual Credit Cards (VCC) are very convenient while shopping online without actually revealing your credit/debit card information on the merchant site. VCC is one (Single) time usable credit card with limited balance according to your requirement. Make sure that this feature is available in your Net Banking options. Never buy a VCC from any online dealer.
      4. Use strong Passwords and change regularly

        Always check for strength of your passwords. Strong passwords are more difficult for others to guess. Passwords should be at least 14 characters long (the longer the password, the better it is) and must include alphabets (both upper and lower case), numbers and symbols. It is recommended to keep changing your password at regular intervals, at least once a month. Never share your passwords with anyone. It is advisable not to write your passwords anywhere, even in your personal diaries. If required, write a hint for your password.

      5. Secure your computer against any Internet threats

        Always use licenced software. Make sure you have an anti-virus on your system. You can also purchase a full version of protection software rather than an anti-virus which can guard against phishing, malware and Trojans. It is advisable to install regular updates on your system. All software (including web browser, anti-virus) must be updated regularly, so that the information in your system is protected.

      6. Always type your trusted web address for financial transactions

        Always make payments through secured payment gateway, trusted online transaction sites or applications such as BHIM, Paytm, PayPal, etc. It is recommended to type bank URLs in the address bar rather than clicking on links given in an email.

        • View the encryption signs
          Encryption is a security measure that helps protect your data as it navigates through the Internet. Signs of encryption include a web address with ‘https’ (“s” stands for secure) and a closed padlock (either besides it or lower right corner of the window).
        • Check Website’s Digital CertificateBefore doing any transaction through online retailers and merchant websites, always check for safe digital certificates that authenticates the website. Independent services like VeriSign is an example of popular authentication service provider which helps users to make sure that the website they are dealing with is genuine and not some fraudulent imposter.
      7. Disconnect Internet connection when not required

        To keep your confidential banking information protected from any malicious hackers, always ensure that you disconnect your personal computer from the internet when you do not require it.