Online payment via bank cards such as Visa/Master Card Debit (debit) or Credit (credit) is gradually becoming popular in Vietnam.
The way to pay online via the above bank card is very simple, users only need to enter card information into websites and applications to be able to make transactions. However, this method of payment also has many potential risks because if crooks know card information, they can “steal money” by “replacing” the cardholder for shopping, bill payment, services…
Most recently, many Techcombank cardholders have announced that they have suddenly lost tens of millions of dong through online payment transactions, paying via e-wallets, causing many people to be confused and worried.
Most of the issued online payment cards currently have the online payment function enabled by default, so to avoid “suddenly losing money” users should block the service or change the online transaction limit.
When locking the service, the bank card can only be paid directly at the store, cannot be used at websites and applications, so even if the crooks have card information, they can’t do anything. Whenever there is a need to pay, users can open this service, then close it again.
Users calculate their own spending and set up an appropriate transaction limit to control the maximum amount allowed to spend per transaction and per day. In this case, if unfortunately the account information is stolen, the amount lost will be less.
To block the service or change the online transaction limit, customers can call each bank’s support switchboard, go directly to the bank’s transaction counter, access the Internet Banking website or the application. Bank’s Mobile Banking.
In addition to self-control of online payment services, users also absolutely need not to disclose important information including e-banking username and password, OTP code, CVV security code printed on the back of the customer. with an international payment card and a PIN for a domestic card to anyone else by any means. In addition, users also note to only access official websites of banks and only link accounts with reputable intermediaries.