Before making a purchase, make sure the website is reputable and secure. Look for “https://” in the URL and a padlock icon in the browser bar, which indicates an encrypted connection. Stick to well-known retailers or platforms with verified buyer protection policies. If you’re on a lesser-known site, search for reviews before entering personal details.
Use Strong, Unique Passwords
Create complex passwords for every online store you shop from. Avoid reusing the same password across multiple sites. Use a mix of uppercase and lowercase letters, numbers, and symbols. Consider using a password manager like LastPass, Bitwarden, or 1Password to keep track of login credentials securely.
Enable Two-Factor Authentication When Available
Many major shopping platforms offer two-factor authentication (2FA), which adds an extra layer of protection to your accounts. This requires you to enter a code sent to your phone or email in addition to your password. Enable it wherever possible to reduce the risk of unauthorized access.
Avoid Public Wi-Fi for Financial Transactions
Never shop online or enter sensitive information when connected to public Wi-Fi in cafes, airports, or malls. These networks are often unsecured and vulnerable to hacking. If you must use public Wi-Fi, connect through a virtual private network (VPN) to encrypt your data and protect your privacy.
Use Credit Cards or Secure Payment Gateways
Credit cards usually offer better fraud protection than debit cards. Alternatively, use secure third-party payment options like PayPal, Apple Pay, or Google Pay. These services act as a buffer between your bank and the merchant, adding an extra layer of safety during transactions.
Be Cautious of Too-Good-To-Be-True Deals
If you see a deal that seems unrealistically cheap, it might be a scam. Scammers often lure victims with deep discounts on popular items that never arrive or are fake. Compare prices with other retailers and be skeptical of massive markdowns from unknown sites.
Keep Your Devices and Software Updated
Make sure your computer, smartphone, and browser are updated regularly. Software updates often include security patches that protect against known vulnerabilities. Also, install antivirus or anti-malware programs to detect and block threats in real time while you browse.
Monitor Bank Statements and Receipts
Keep track of your online purchases and regularly review your bank and credit card statements for unauthorized charges. Most banks allow you to set up instant notifications for purchases — enabling this can help you spot fraud quickly and take immediate action if something looks suspicious.
Be Careful with Emails and Pop-Ups
Phishing scams often disguise themselves as order confirmations or promotions. Never click on suspicious email links or download attachments from unknown senders. Instead of clicking a link, go directly to the retailer’s website by typing the URL into your browser.
Avoid Saving Payment Information on Retail Sites
While it’s convenient to store your card details for faster checkout, it’s not always the safest choice — especially on lesser-known websites. If the retailer’s database is breached, your payment info could be compromised. It’s better to enter your information each time or use a secure wallet.
Research Unknown Sellers Before Buying
If you’re shopping on a marketplace like Etsy, Amazon, or eBay, check the seller’s reviews, ratings, and return policies. Look for consistent feedback and communication history. A lack of reviews or a newly created account selling high-ticket items should raise red flags.
Use Secure Apps for Mobile Shopping
If you’re shopping on your phone, download the official app from a trusted source like the App Store or Google Play. Apps often have built-in security features that mobile browsers may lack. Avoid clicking on ad links or downloading APK files from unknown sources.
Know Your Rights and Return Policies
Before purchasing, read the seller’s return, refund, and shipping policies carefully. Knowing how to handle disputes or faulty items in advance will protect you if something goes wrong. Use platforms that offer buyer protection and easy resolution channels.
Trust Your Instincts and Stay Alert
If something feels off — whether it’s a poorly designed site, aggressive pop-ups, or a strange payment process — it’s best to walk away. Scammers rely on urgency and distraction. Staying calm, checking details, and taking your time will help you avoid traps.