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Last updated: 20 August 2021
Found an unbelievable deal on a much-coveted product but don’t recognise the website selling it? A little research about the vendor may protect you from losing your money or being sent a counterfeit product.
If you’re using a website for the first time, search its name online and see if any negative reviews appear. You can also use sites like TrustPilot to search for reviews.
Research where the vendor is based and dispatching its products from. Some vendors may claim to be based in the UK but are actually located overseas, meaning in some cases you could be waiting weeks for the products to arrive.
If you’re buying an expensive item, such as electronics or designer clothing, check the manufacturer’s website to ensure you’re buying from an authorised distributor or seller. This will reduce your chances of receiving counterfeits.
If the product doesn’t live up to your expectations, can you return it? You should be suspicious of any vendor that doesn’t allow you to send products back. Even if the retailer is legitimate, you want to be able to get your money back if the product is faulty or not suitable.
Credit cards are the safest way to pay for things online. Under section 75 of the Consumer Credit Act, for any transactions between £100 and £30,000 made on your credit card, the credit card provider is jointly responsible with the seller for any breach of contract or misrepresentation by the retailer.
This means you can be refunded by your credit card provider if;
If you don’t have a credit card, consider using an e-money service like PayPal. This allows you to pay for goods without submitting your bank details. These services often have some protection for purchases, although not to the extent of credit card providers.
You should only enter your card details into secure websites. To identify a secure website, look for the following things:
It’s tempting to hop onto public WiFi when you’re out and about to avoid using data from your mobile phone allowance. But you should never complete transactions, enter personal details or log into your internet banking while using public WiFi networks. Any information you send over these insecure networks may be accessed by criminals.
Almost all broadband providers have built-in internet security measures as well as secure hosting, so use your home internet connection to complete purchases where possible.
If you're unsure of the level of security your current provider offers, or you want to switch to one that offers more protection, check out our page on which broadband provider has the best online security.
Many banks and building societies are now requiring customers to verify it’s them when making any online purchases via two-factor authentication.
This may entail you entering a one-time code sent by text message to the phone number registered to the account, answering a security question, logging in to your mobile banking app or scanning your fingerprint with your device.
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