According to theIdentity and Fraud Report, from Serasa Experian, 51% of Brazilians experienced scam attempts in 2024. За самим собою, 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 indicates 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 peak seasonal dates in commerce, like Mother's Day, causam picos de fraudes, what requires extra attention from both consumers and retailers. Adilson Neves, Commercial Director of the digital payment solutions fintechPaytime, Recorda que as lojas é que suportam os golpes: “Ao trabalhar com vendas online, 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, quando il titolare effettivo della carta contesta l'acquisto e l'importo viene rimborsato, 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, ou dupla autenticação como o 3DS. This greatly reduces the risk of not actually being the cardholder making the purchase. Furthermore, a good fraud prevention system can identify the possibility of the card being cloned, analyse behavioural patterns and prevent a scam for the retailer and the consumer
The Anti-fraud measures assess a series of parameters. For example, It may be that a website consistently makes sales at 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 behavioural factors, explain the director
Another increasingly popular and secure option for online sales is the use of a payment link, especialmente para quem realiza transações através de redes sociais como Instagram ou 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. He indicates the use of the pagereliable site.with.brpara realizar este tipo de verificação
It is also essential to keep an eye on phishing attempts, a type of scam in which criminals try to deceive and persuade consumers to reveal their sensitive data. According to the report of theKaspersky, In 2024, there were over 893 million phishing attempts registered 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, quando o volume de transações online dispara. 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, via WhatsApp, ou mesmo publicidade online que leva o público a acreditar na veracidade dos produtos
It is essential that consumers double their attention to links received via SMS, email ou 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 shops. Finally, considere usar mais o cartão de crédito, instead of Pix and debit, since, in the first case, there is a higher chance of opening a contestation if the consumer identifies a suspicion. Furthermore, the credit card usually offers buyer protection programmes and banking mediation, what facilitates the recovery of the amount in case of fraud, conclude the professional
