Beware, many scams have been discovered using bank references. Learn how to prevent them – Executive Summary

With the growth of online commerce, different forms of payment have emerged, but not all of them are equally secure. Among them, ATM referrals have gained popularity, but they also pose significant risks to unsuspecting consumers.

When choosing to pay using an ATM, consumers should be aware of the potential risks involved. This payment method makes it easier to complete transactions quickly, but it also increases the risk of fraud. Here are some basic precautions to take:

1. Personal data protection: Before entering any personal data in an online transaction, it is important to check the store’s reputation. Use tools like DECO PROteste’s Reclamar portal to search for complaints and experiences from other consumers.
2. Verify the credibility of the site: Make sure the store’s website is secure. Look for a lock or key in the top left corner of your browser and make sure the address begins with “https://”. Additional information such as the entity’s full name, contact details, and physical address are indicators of trustworthiness.
3. Explore payment alternativesConsider using more secure payment methods, such as virtual cards or bank transfers with confirmation from the first account holder. These options provide additional layers of security that can prevent potential fraud.

What if I am a victim of fraud?

If you suspect that you have been the victim of a fraud when paying using an ATM reference, it is essential to act quickly:

• Contact your payment institutionSome institutions allow you to request a refund in case of fraud. Check if this option is available in your case.
• Make a complaintFraud is a crime and must be reported to the relevant authorities. Use the e-complaints portal to register your complaint.
• Deadline for filing a complaintIn the event that the purchase is not received after payment, the complaint must be submitted within six months from the date of knowledge of the incident.

Security in online transactions depends on vigilance and preventive measures by consumers. By being informed and taking appropriate precautions, the risks associated with e-commerce can be significantly reduced.