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Kredi kartı kullananlar dikkat! İnternet alışverişlerinde büyük tehlike! Çin’de ortaya çıkan yeni tip koronavirüs dünyayı esir aldı. Milyonlarca kişiye bulaşan koronavirüsten korunmak için temas etmemek çok önemli. Bu nedenle vatandaşlar alışverişlerini internet üzerinden yapmaya başladılar. Mart ayında 3 milyon kişi ilk kez online ödeme gerçekleştirdi. Ancak internet alışverişlerinde bizi bekleyen bazı tehlikeler var. İşte detaylar… takvim.com.tr Giriş Tarihi : 13 Nisan 2020 , 07:20 Güncelleme Tarihi : 13 Nisan 2020 , 10:12
Koronavirüs tedbirleri kapsamında vatandaşların evlerine kapanmasıyla e-Ticaret harcamaları coştu. Vatandaş neredeyse tüm alışverişini online kanallardan yapıyor. Bankalararası Kart Merkezi'nin (BKM) Mart 2020 verilerine göre, internetten yapılan kartlı ödeme tutarı 16.5 milyar TL'ye ulaştı. Her 5 TL kartlı ödemenin 1 TL'si internetten yapılırken, 3 milyon kart ilk kez internetten ödemelerde kullanıldı. Ancak hem kartını yeni kullananlar hem de daha önce güvenliğe dikkat etmeyenler için büyük bir risk var. E-Ticaret'te güvenli alışveriş için kredi kartı bilgilerini kullanmamak en başta gelen önlemlerden biri. Bunu yaparak e-Ticaret sitelerinin hacklenmesi durumunda, kart bilgilerinizin çalınması ve limitinizin boşaltılmasını engellemiş olursunuz.
SANAL KART KULLANIN İnternetten alışveriş yaparken bankaların kredi kartlarına ilave olarak çıkardıkları sanal kartları kullanmak gerekiyor. Sanal kartlarda geçici süreliğine yani alışveriş için limit belirlenebiliyor ve daha sonra sıfırlanıyor. Ya da 250 TL gibi küçük limitler belirlenerek, alışveriş sırasında bu miktar kullanılabiliyor. Sanal kart mobil uygulamada iki dakikalık bir işlemle oluşturulabiliyor. İkinci güvenli alışveriş ödemesi yöntemi de mobil cüzdanlar. Türkiye'de bulunan mobil cüzdanlardan herhangi biriyle, kredi kartı bilgisini hiç girmeden alışveriş yapmak mümkün. Daha önce mobil cüzdana girilen kart bilgileriyle e-Ticaret siteleri, anlaşmalı oldukları mobil cüzdanlardan yararlanarak parayı çekebiliyor.
SAHTE SİTELER KURULDU Bankalararası Kart Merkesi (BKM) Genel Müdürü Soner Canko, dolandırıcıların son dönemde yöntem değiştirdiğini belirterek, şunları kaydetti: "Sahte siteler üzerinden faiz indirimi, kart aidatı iadesi gibi söylemleri kullanıyorlar. Kullanıcılar şifrelerini kimseyle paylaşmasın. Sahte site, kampanya ve reklamlara karşı dikkatli olsunlar. Covid maske gibi isimlerle dolandırıcılık amaçlı açılan sitelere itibar etmesinler. Mobil uygulamaları mutlaka resmi uygulama mağazalarından indisinler. Alışverişlerini güvenli doğrulama (SMS gibi) altyapısı sunan web sitelerinden yapsınlar." LİSANSLI KURULUŞ OLMASI ÖNEMLİ e-Ticaret sitelerine güvenli alışveriş hizmeti veren Finartz'ın Kurucusu ve Genel Müdürü Cihan Demir de ödemelerin dijital cüzdan aracılığıyla gerçekleştirilmesinin önemli olduğunu belirtti. Demir, "Ödemenin 3DSecure olarak gerçekleşmesi işlemin kullanıcı tarafından doğrulanmış olduğunun göstergesidir. Bu nedenle büyük önem taşıyor. Bu şekilde herhangi biri aynı kart numarası ile ödeme yapamaz. E-Ticaret sitesi belli bir büyüklükte değilse, ödeme sisteminin lisanslı bir ödeme veya e-para kuruluşu tarafından sağlanması da bir diğer konu. Buna da dikkat edilmeli" dedi. (Sabah)