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The dos and donÔÇÖts of online bill payment

Tuesday, 20 December 2016
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With the world becoming ever more fast-paced, weÔÇÖre constantly looking for ways to make our lives that little bit easier. Paying bills and transferring money online, saves time, and effort, and often works out cheaper; plus, online payments are convenient and safe. Here are some basic dos and donÔÇÖts to consider when transacting online.

DO use strong passwords. Yes, itÔÇÖs a hassle to remember them, but passwords should contain upper and lower case letters, numbers, and symbols so theyÔÇÖre difficult to guess.

DO change your passwords regularly, and make sure that you have different passwords for different sites. Resist the urge to have the same password across all your email accounts, bank accounts and payment gateways.

DO check your bank and credit card statements every month. Mistakes can occur on card statements, so make sure you check them against your record of online transactions.

DO check to see if there are fees for online payments. Some retailers (e.g. for concert tickets) charge a fee for online transactions. This can be avoided by choosing a different method of online payment

DO sign up for airline travel miles rewards programmes linked to your credit card, so that every time you use your card youÔÇÖll build your miles balance.

Dos Donts

DONÔÇÖT use public computers to pay your bills. Make sure, if youÔÇÖre entering a card or bank account number, that the device you are using is secure. ItÔÇÖs also a good idea to use a secured Internet connection, rather than a public access Wi-Fi.

DONÔÇÖT forget to keep your information updated on sites you use regularly. If youÔÇÖve set up a regular standing instruction for repeat payments, an expired card can cause problems.

DONÔÇÖT divulge your details on unverified sites that youÔÇÖre not sure of. Being prudent online is always a good idea.

DONÔÇÖT use sites that arenÔÇÖt encrypting your payment. Check your browser to for an ÔÇ£https://ÔÇØ prefix in the address bar. That means all communication between your browser and the payment gateway is encrypted and safe.

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