Be alert When Paying With Your Credit Card

Card skimming remains a big problem in South Africa, with many people falling victim to criminals skimming their bank cards to steal money.

Card skimming can take place at many locations, including ATMs and merchant points of payment, using devices which have been tampered with.




Personnel working at product home delivery chains like pizza hut, Amazon are often provided with handheld skimming devices by card fraud perpetrators.

These skimming devices often resemble the real thing, with only small differences noticeable.

This Is What You Should Know When Paying With Your Credit Card

Ingenico, a credit card terminal manufacturer, recently issued a guide on how to identify a skimmer in a standard terminal (Ingenico iSC250).The purpose behind writing this post was to make everyone aware with this useful information.

A skimming terminal is significantly larger than normal.

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A skimmer should be longer and wider than the terminal itself to correspond to its size. That’s why a skimming terminal is noticeably larger than a true one. This is the principal feature that helps recognize fraudulent devices.

No button highlights

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A skimmer that was inserted too quickly may block the button highlighting on the terminal.

Green LED light is blocked

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An attachable skimmer also blocks the green LED light that should be on when the terminal scans a card.

Frequent operation errors

Skimmers sometimes get in the way of the magnetic strip when they scan data. This results in more operation errors and significantly slows down the normal workings of the terminal. So pay attention if a terminal operates much slower than it should.

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All payment terminals have a stylus attached to them that clients use to enter their signature after their card has been scanned. A skimmer inside an iSC250 doesn’t allow the stylus to be attached.

Simple tips that will help to protect your money

1.Keep a separate debit card that would only have the sum you need for a purchase at hand to protect yourself from fraud.

2.Enable SMS banking service by calling your bank, it will help to promptly react to unexpected debits thus making you aware.

3.Set limits and limit cash withdrawal amounts, and the criminals won’t be able to withdraw all your money at once.

4.Immediately call your bank incase you have lost your card and you think someone may have learned its details, tell them to block it immediately.

5.Some credit organizations have special programs for protecting their clients from fraud and reimbursement of damages.It’s also good to learn about card insurance capabilities and terms with your bank.

6.If you pay in a restaurant, don’t let the waiter take away the card — they can skim it discreetly. Demand that all the operations be carried out in your presence.When you pay with your card in a store, make sure that the employees do not take it away from you.

7.Read the receipts carefully after paying with your card. The field with the paid amount must not be empty.

Source krebsonsecurity
Preview photo credit mybroadband

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