Safe Online Payment

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Online Payments: Making payment online is very convenient and speeds up the ordering process for any merchandise or service purchased online. However there are certain frauds that both, online sellers and buyers should be aware of. The benefits of online selling and purchasing are far too many for people to give up and it is best to be cautious and reduce risks as much as possible.

Credit Card Payments, Buyers Beware: When you use your credit card to make online payments, ensure that the seller has a good reputation. Spend some time to read through buyer testimonials on the sellers website. If the merchandise or service that you purchase is very expensive, request the seller to provide references that you can call up and check for yourself. Gauge the seller by the way in which queries and questions are answered and pay caution to selling pressure. Most websites have an 'Order Now' page that is completely mechanised and even the email that thanks you for your order and payment is not written by a human being. Buyers rightly tend to feel detached and scared when dealing with such establishments.

Another issue that buyers using credit cards to make online payment should be cautious about is, the possibility of the seller or his staff misusing the credit card information. This could result in the buyer being billed for merchandise that was never ordered and never delivered to him. When using a credit card to make online payment, the buyer is required to provide complete information regarding his card, the billing address of the card and even the verification code mentioned behind the credit card. This is also the only information that is required, by people with bad intentions to make transactions through your credit card. You need to ensure the reliability of the seller, before making the online payment and this point needs to be emphasised.

There is one sure benefit that payment options like Paypal (explained below) have over credit card payments. When you use a credit card to make an online payment to one seller, all the information related to your card is now available to that seller. After a few months of making online payments for various products and services, you will realise that this critical information is now lying on many servers installed by various sellers! The probability of the information being leaked during a hacking incident increases and this is a big problem. A seller might provide excellent service and sell the best wine online at great prices, however he might know little or nothing about keeping his servers safe and secure. Services like Paypal offer an alternative where, your confidential credit card or bank information is disclosed only to them (Paypal) and they in turn pay various sellers. Read a more comprehensive report on Paypal down below.

There is another fraud that has taken shape in recent years and that refers to identity theft, which simply means that somebody robs certain critical information regarding you. This information is enough to make that other person actually 'prove' that he is you. Credit card information is one of the favourite areas attacked by such fraudsters. We have devoted an entire section in this report to explain identity theft as it is a fraud that could financially cripple you.

Credit Card Payments, Sellers In Danger Too: In this report on safe online payments, we wish to provide information that is important to both sellers and buyers. Sellers install ecommerce enabled websites where shoppers can shop for 24 hours and all through the year. The idea is to increase convenience and also give a larger choice to buyers. One aspect of shopping convenience is the ability to receive online payments and credit cards are a favourite with buyers.

In recent times fake and robbed credit cards play havoc with sellers. Even the best credit card verification systems cannot eliminate all frauds. Identity theft (discussed in detail below) has added a new dimension to these credit card frauds. You will not know whether the buyer is the true owner of the credit card or infact using robbed information. The credit card company will inform the seller of the fraud only when, they in turn receive information from the real owner of the credit card. This intimation could come from anywhere between 15 days to 90 days after payment is made and this is enough time for the buyer to disappear without trace. The seller having lost his merchandise to a fraudulent buyer, is still bound to refund the money received from the credit card. The money needs to be returned to the actual owner of the credit card. This is referred to as a charge back and the seller rarely can do anything aside from refunding the money.

Most credit card companies suggest that, sellers pay extra caution when receiving orders from buyers with free email addresses. This is not very practical as numerous genuine buyers also utilize free email address services. Sellers should try to keep logs of fradulent payment transactions and then compare various characteristics for suspect cases. This is not an easy task and a trained eye will be required to quickly spot a doubtful transaction.

A few useful tips are randomly listed here: (a) Consider calling up the buyer on phone if payment for a big purchase is paid by a credit card. (b) You could also email the buyer and request the name of the company that issued the credit card. It might just be possible to get the credit card company to contact the true owner of the credit card and confirm if the payment was genuine and itentional. This does not always work, so do not pin much hope on this option. (c) Keep detailed records of bad transactions and then make a comparison when new doubtful payments are received. Same email addresses, shipping addresses and even same phone numbers are often used by these fraudsters. (d) When you get confirmed orders from countries like Nigeria, Indonesia, Pakistan, Phillipines and a few former Soviet Union countries, pay extra caution. These purchases will almost always be paid through fake credit cards and are rarely genuine transactions.

How Do Payment Options Like Paypal Work? Paypal was one of the first options for online payments and the process is quite easy to understand. (a) Get yourself an email account, this could be a free service or a paid email account. (b) Get to the paypal website and register yourself, this is a free registration and there are no monthly fixed fees or other fixed overheads. Use your email address at the time of registration and it is now linked to your paypal account. (c) You now have an empty paypal account with an email address linked to it. (d) If you are a buyer and intend to pay money to a seller who accepts paypal as a mode of payment, you need to add funds to your paypal account. To do this, log on to your paypal account from the paypal website and select the option to 'Send Money' you will be prompted to fund your account. A bank account or credit card can normally be used to fund the account. (e) All transactions to send and receive money will be through email addresses. So you would be sending money to the email address of another person who also has a paypal account. That person would be sending you money in the same way. (f) The moment money is sent or received through paypal, an automated message is emailed to the sender and the receiver of the money. (g) You can withdraw money from your paypal account into your bank account or use the money to pay for online products and services that accept paypal payments. (h) Paypal charges a commission from the receiver of the money. The money that is credited to the receivers paypal account is after deduction is made for this commission. The sender is not charged any fees by paypal.

The paypal mode of online payments has some advantages for buyers. All those registered at Paypal are screened before their registration is accepted. This includes buyers (those making payments) and sellers (those receiving payments) and provides a fairly good level of security. Since the buyer discloses bank and credit card information only to Paypal and not to every seller, a high degree of confidentiality can be maintained. When Paypal in turn, makes payment to the seller, banking and card details of the buyer are not disclosed to the seller. Since Paypal is a professional organisation managing money movement on a large scale, you can expect the company to invest heavily in various security measures and equipment.

The seller benefits for similar reasons as the buyer does. The registration process provides a degree of security and the latest security systems maintained by Paypal will in most cases trap frauds like fake credit cards quite efficiently. If your paypal account has been in good standing for a while and has a fairly high volume of transactions, Paypal will even offer you special 'protection policy'.

The Paypal service got some added credibility when it was taken over by Ebay. While this method for online payment has become very popular, attempts by some dishonest persons have been made to defraud paypal account holders by using a malpractice commonly referred to as 'identity theft'. If you need more information on Paypal and need to check the countries covered by this service visit their website at http://www.paypal.com

About Money Transfers, Like Western Union: Online payment methods like Paypal require both the sender and receiver to be registered with paypal. The seller may be ready to do this but buyers are often put off by the procedures and long details, that are required to be revealed before completing the registration process. This is where services like Western Union Money Transfers prove useful. These services are available in most countries and local post offices and banks generally provide money transfer facilities. Western Union agents are also common in many countries.

The procedure is quite simple and requires the sender to visit the Western Union sending point (could be a local bank, post office or Western Union agent), where a form is filled out. The form provides details of the receiver like name and address and also the amount to be transferred. The sender will be provided with a Transaction Number and this is an important part of the transaction. There is a sending fee to be borne by the sender and this is charged at the time of sending the money. The money is transferred online across the Western Union network and is available for collection within a few minutes. The sender will inform the receiver of the amount sent and also the Transaction Number. The receiver is then required to go to a local Western Union collection point (could be a local bank, post office or Western Union agent) and fill out a form for collection of the money. In this form the Transaction Number provided by the sender and the name and address of the sender are also mentioned. The amount and name and address of the receiver are also mentioned and all these details together identify the receiver as the true intended receiver of the money. The Western Union agent will also require the receiver to provide some identification like an ID Card, passport copy etc.

The receiver does not pay any transfer charges but, there is an exchange rate difference that provides a revenue to Western Union. The transaction is complete when the receiver collects payment. No detailed bank information and other confidential information need be disclosed and this is the point that most buyers are impressed with. The Western Union Money Transfer can be done online from some countries like U.S, Canada and U.K.

There is a certain caution that needs to be excercised here. Since there is no registration of the receiver (seller), money transfers of this kind are best suited for paying reputed sellers only. Buyers should spend time on the sellers website and read buyer feedback and testimonials before using this mode of payment. Sellers should also be aware that, the currency exchange rate received for such money transfers could be a bit lower, than the official bank exchange rates.

You can get more information regarding Western Union Money Transfers and also find a Western Agent near you by visiting their website at http://www.westernunion.com

What Is Identity Theft? There has been a recent spate of hi-tech frauds that has caused serious financial losses to innocent people. Emails in various forms are used to collect confidential information from people. The information sought is credit card data and bank account information with the aim of using the data to commit financial frauds. The fraudster gets all personal and financial information of the victim and then takes on the identity of the victim. Armed with this ability, he can make purchases of goods or services online, by using the bank account or credit card information of the victim.

There are two major types of emails used to commit such frauds. The first type is a simple email that claims to come from your credit card company or bank. It requests you to update your personal records on the official files by clicking a link on the email. This link takes you to a page that looks very similar to your credit card or bank web page, however it is infact a fake page set up just to capture your confidential information. The best thing to do when you receive an email with similar subject is, to call up your bank or credit card company and confirm if the email was indeed sent by them. The second method used in emails is a bit more technical. The email comes with an attachment that is a small program. The email subject or title entices you to click and execute the attachment. Once you do this, the program (in the attachment) installs itself on your computer. It is now capable of sending confidential information to the fraudster. Key strokes that you perform can be recorded and sent or even broadcast live for the owner of the program to see. This is an advanced form of identity theft and very often needs professional help to deactivate the program from an infected computer.

Kaisilver had compiled one of the best reports on online security and popular online scams. This report was published in one of our earlier newsletters and has useful information for anyone that uses the Internet. This report can be accessed at this link http://www.kaisilver.com/online-security-and-privacy-01.htm Forward the link to your friends and collegues and they will be happy that you warned them of these nasty scams.

Other Interesting Topics In This Newsletter

Silver Tarnish, The Complete Report: All silver can be expected to tarnish. The change in color to dark yellow or brown of sterling silver jewelry is most likely to be silver tarnishing. What exactly is silver tarnish? Why does silver jewelry tarnish? Can the tarnish process be eliminated or slowed down? Can silver tarnish be removed? Kaisilver goes deep into the causes and remedies of silver tarnish. We also disclose facts that many jewellers would not want you to know. Click for the report on Silver Tarnish   In each issue of one of the most respected online newsletters ever published, we cover topics of interest to jewelry and gemstone buyers. The emphasis is not on sales talk and the aim is not to make our merchandise look better than that sold by others. The aim is to keep you informed and guide you into making a well informed decision. At Kaisilver we believe that you should know the truth, as we are on your side.


In The New Product Section: Introducing you to the three of our best jewels since the last issue of the jewelry newsletter. An indepth analysis into the design, construction and concept of these gorgeous jewels. Our jewelry lays equal emphasis on long term durability and style. This 'no compromise' approach has earned us the trust and faith of over 5,000 buyers spread across 17 nations. All our jewellery is completely custom made with gemstones of your choice. You can also send us your favourite jewellery designs to be custom made. Click for complete details

Archives Of Our Newsletters

The Kaisilver jewelry and gemstone newsletter is one of the most respected newsletters. All information is provided in simple terms and we always try to be as non-technical as possible. At Kaisilver we keep sales talk to the minimum and believe in providing buyers with reliable and straight forward information. The idea is to guide buyers into making the right buying decision based on well informed ideas and evaluation of options. Our newsletters bring you frank advice that is kept a secret by most sellers. Click Here to access the complete archives of our newsletter with informative and useful content. Our clear and honest information at times leads buyers to change their mind and not go ahead with an order, but we are satisfied at just having ensured that you made a well informed decision.

About Our Jewelry

All kaisilver jewelry is completely custom made in 14k or 18k white or yellow gold. Each piece is individually worked on by expert craftsmen and hand finished to perfection. We do not indulge in gimmicks like close outs and blow outs where, low grade merchandise is peddled in big department stores and TV channels using high pitched sales campaigns. All jewelry can be made with gemstones of your choice and all design modifications are possible. You can even provide us with images of your favourite designs for us to custom make. Click Here for a more detailed profile of Kaisilver service and merchandise.

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