CREDIT CARDS SECURITY ON THE INTERNET

The Internet is an important platform for online purchases and services. Compared to other options, credit cards are a secure means of payment. Do not store your bank details in online stores or apps, and use your credit card like a firewall. You can enter your credit card details directly in a shop, store them with PayPal or use them for mobile payments.


Recognizing reputable providers on the Internet

There are numerous ways to identify reputable online shops on the Internet. Make sure that the contact details are available for the shop. For example, Swiss providers are obliged to provide such information in the imprint. Choose shops with well-known seals of quality such as "Trusted Shops" or "Swiss Online Garantie".

Shop in certified stores

Play it safe and shop in certified stores with well-known quality seals. With "Trusted Shops", "Swiss Online Garantie" or "Schweizer Online Shop", online stores are fully checked for compliance with quality criteria before they are allowed to use the seal of approval. Legal requirements as well as service quality are scrutinized. Customers thus benefit from the highest degree of security.

Stop Piracy

The STOP PIRACY non-profit association combats counterfeiting and piracy effectively and sustainably. On the website www.stop-piracy.ch you will find valuable tips on how to detect counterfeits and what you can do about them in the event of fraud.

Credit card payments on the Internet

Credit card payments on the Internet

Various payment methods are available for payments in online stores. In many stores you can enter your credit card details directly. In addition to the contact data, you are required to provide the credit card number, the CVC (Card Validation Code) or CVV (Card Verification Value) and the expiry date of the card. Another payment method is PayPal. This is a service where your credit card data is stored online. Most online shops support PayPal.

Credit card as a firewall

There are numerous ways to identify reputable online shops on the Internet. Make sure that the contact details are available for the shop. For example, Swiss providers are obliged to provide such information in the imprint. Choose shops with well-known seals of quality such as "Trusted Shops" or "Swiss Online Garantie".

In addition to the payment function, a credit card can take on a protective function on the Internet, much like a firewall. If you purchase from an online retailer using your credit card and they do not deliver the ordered goods, first contact the retailer directly. You can then contact Swisscard, withdraw the transaction and use the protective function of your card.


3-D Secure for secure online shopping

3-D Secure is an internationally recognized security standard for credit card payments on the Internet. This procedure includes an additional check of the buyer's eligibility during an online purchase from a 3-D Secure participating vendor. This reduces fraud risks to such an extent that store operators using 3-D Secure are even guaranteed receipt of payment.

A prerequisite for 3-D Secure is the participation of the online vendor in the program and registration of the cardholder during the payment process. The name of the 3-D Secure program for MasterCard is "MasterCard SecureCode", for Visa "Verified by Visa" and for American Express "American Express SafeKey".

3-D-Secure
Transakt App

Transakt app as an alternative to a password

The free Transakt app is a simple and secure authentication system that works together with 3-D Secure. Buyers are authenticated conveniently via smartphone or tablet after the app has been installed. To verify a payment when making online purchases, buyers receive a notification on their smartphone or tablet which they can confirm or reject.


Protection through fighting fraud

Swisscard employs specialists around the clock to proactively detect card misuse and prevent fraud. Measures are taken immediately in the event of suspicious transactions.

Read more here

Protection through fighting fraud

Phishing attacks

Avoiding phishing attacks

In phishing, scammers try to access your credit card details by e-mail. They pretend that the sender is a bank, a vendor or a card organization and send you a link to a fake Internet address. With a little caution and attention, however, you may detect such fraudulent attempts. It is not uncommon for threats to be made or for rapid sales to be offered. The e-mails often contain spelling and grammar errors and a link to a form on which you are invited to enter you card data. You can generally assume that your bank or credit card organization will not send such e-mail messages or request sensitive data. Further information on phishing can be found here.

Another form of phishing is done by telephone. Scammers try to get hold of your credit card details by calling you to tell you that your computer needs an update or is infected by a virus. Never respond to such calls.

Reporting and Analysis Centre for Information Assurance (MELANI)

If you are a victim of phishing e-mails or other attacks by electronic means, the Reporting and Analysis Centre for Information Assurance (MELANI) can assist you. Discover a wealth of useful information, checklists and forms at www.melani.admin.ch.

Tips

Bills:
Always check your bills and react immediately in case of discrepancies.
Updates:
Carry out regular security updates on your PC or tablet.
Protection:
Keep your virus and spam protection up to date and enabled at all times.
Cache:
Always clear your browser cache after making financial transactions.
Shops:
Shop in certified stores with well-known quality seals.