According to theIdentity and Fraud Report, from Serasa Experian, 51% of Brazilians experienced scam attempts in 2024. By yourself., this is already a frightening number, but, for those who buy and sell online, the situation can be even more complicated. The most recent research of theAxurabout cybercrimes points to a 26-fold increase in the exposure of debit and credit cards, more than 13 times more credentials leaked last year, in comparison to 2023
It is common for the seasonal dates with the highest commercial activity, like Mother's Day, cause peaks of fraud, what requires extra attention from both consumers and retailers. Adilson Neves, Commercial Director of the digital payment solutions fintechPaytime, Remember that the stores are the ones bearing the scams: "When working with online sales, it is necessary to ensure the security of the client's data. If a criminal makes a purchase using this data, the responsibility may fall on the store, especially in cases of chargeback, when the true cardholder disputes the purchase and the amount is refunded, causing direct harm to the retailer
Thus, Adilson highlights some important recommendations for those working with e-commerce. The first is to work with robust and reliable payment systems, with up-to-date security services, and with companies that offer fraud prevention systems, or two-factor authentication like 3DS. This greatly reduces the risk of someone who is not the cardholder making the purchase. Furthermore, a good fraud prevention system can identify the possibility of the card being cloned, analyze behavior patterns and prevent a scam for the retailer and the consumer
The Anti-Fraud measures assess a series of parameters. For example, it is possible that a website consistently makes sales with an average value of R$ 50 and someone tries to make a purchase of a thousand. The system detects that the request has suspicious behavior, based on a real-time risk analysis that considers purchase history, location, schedule and other behavioral factors, explain the director
Another increasingly popular and secure option for online sales is the use of a payment link, especially for those who conduct transactions through social networks like Instagram or WhatsApp
And for the clients, how to protect yourself? There are several precautions to be taken during shopping, mainly with the high flow of promotions and information on Mother's Day. It is necessary to carefully check which website, where did the links come from, and if the store's history is trustworthy, recommends Adilson. It indicates the use of the pagereliable site.with.brto perform this type of verification
It is also essential to watch out for phishing attempts, a type of scam in which criminals try to deceive and convince consumers to reveal their sensitive data. According to the report of theKaspersky, In 2024, more than 893 million phishing attempts were recorded worldwide — a 26% increase compared to the previous year. Brazil remains among the countries with the highest volume of attacks, especially on seasonal dates like Mother's Day, when online transaction volume soars. AND, according to the Axur report, this is the most common type of fraud in e-commerce: only in 2024, the volume of phishing pages doubled, reaching 72.455. Attacks can be simple or sophisticated, with the use of SMS messages, by WhatsApp, or online advertising that leads the public to believe in the truthfulness of the products
It is essential that consumers pay extra attention to links received via SMS, email or WhatsApp, because scammers take advantage of the rush and the volume of offers to deceive people, Adilson alert. It is important to verify the authenticity of websites, search for security seals, and avoid clicking on unknown links, even if they seem to be from trustworthy stores. Finally, consider using the credit card more, instead of Pix and debit, since, in the first case, there is a greater possibility of filing an objection if the consumer identifies a suspicion. Furthermore, the credit card usually offers buyer protection programs and banking mediation, what facilitates the recovery of the amount in case of fraud, I completed the professional
