Withdrawing money or making card payments in establishments is an almost daily need, however, there is a latent risk with this and that is that the card is clonedor as it is known in a sophisticated way, being a victim of skimming, risk that is not only experienced at ATMs but also with dataphones.
In Colombia, this is a reality that thousands of people go through every year, for this reason, experts consulted by LR give you some advice so that you do not go through this difficult situation and end up stealing your money.
“The sophistication of cloning means of payment requires preparing very strict security protocols for users,” says Diego Palencia, VP of research at Solidus Capital.
This because Many people believe that it is only possible to clone cards at ATMs, but this is not the case. Even through online purchases the person can be a victim of this type of fraud.
“Digital payment operations with credit cards should not be carried out on sites that do not have the certification of the use of cybersecurity platformsinsurance against cyber theft must even be requested in cases of operations with high amounts,” adds Palencia, since today there are many people who enter their data on different pages without validating their security.
But, if you are talking about low-value payments, you should not lower your guard either. “For low amount payments or in unrecognized sites, payment methods other than credit card must be used to avoid leaving vulnerable data, for their security of identity and personal data”, completes Palencia.
Now, if we’re talking about the more typical type of cloning that happens at ATMs, it pays to be much more careful with each move. “When you have to use an ATM or make physical transactions, you must calculate in advance the payment systems to use, and only use the card with which you will make the transaction. In addition, you should look for an ATM or branch in a sector that has optimal security measures,” says the expert.
This is something that entities such as Seguros Sura also recommend, in addition to basic advice such as, cover or cover the ATM keyboard or dataphone when typing the password, do not share it with anyone, not accept help from anyone when withdrawing money, and schedule notifications of each withdrawal to arrive by text message to the cell phone.
A very important additional point that the insurer recommends is check the ATM from which money will be withdrawn to verify that it does not have cameras or other devices made by criminals to clone the cards.
For his part, banks like Scotiabank Colpatriarecommend that during payments in establishments, never lose sight of the cardsand at the moment of receiving them verify that it is the same one that was delivered.
Also, the bank advises that when the plastic on the card is updated, a magnet is passed through the magnetic strip of the old plastic and then destroy it into small pieces.
