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Making secure payments this festive season

Updated: Jan 24

A woman wearing a white polo neck and beige jacket is smiling at her phone after going shopping. She is carrying a red smartphone and a red shopping bag.

The festive season is a time of joy and celebration, often accompanied by increased spending and shopping. Are you looking for a safe and convenient way to do your Christmas shopping and spoil your loved ones? This is where Scan to Pay can help you by providing a swift and secure contactless way to pay this festive season.

Safe online shopping

For many, skipping the busy queues in favour of online shopping is the way to go. While this brings plenty of convenience, it also opens the door to potential risks. Fortunately, there are some tips that can help you sidestep scammers. It’s always a good idea to steer clear of public Wi-Fi for financial transactions and maintain strong, unique passwords for each of your accounts. The beauty of Scan to Pay is it aims to simplify the payment process for both the consumer and the merchant by a scanning process between a mobile device or smartphone and a QR code at an online or physical point of sale. You can also rest assured knowing that your details are safely processed and are not revealed to the person or business processing the transaction at the time of payment.

Protecting against scams and phishing

Just as shoppers hunt for a great Christmas bargain, cybercriminals are also on the lookout for ways to cash in via phishing scams. Be wary of offers that seem too good to be true, and always verify the authenticity of emails and websites before providing any personal and financial information. To give you some peace of mind, with Scan to Pay, after you’ve signed up, you don’t need to recall or re-enter any banking details or PIN codes. All the information regarding the vendor’s banking details is encoded in the QR code, which also reads and deciphers your chosen payment method. The QR system also doesn’t retain or store your payment details, making it even more secure.

Secure in-store transactions

Fraudsters don’t confine their efforts to the web, which is why it pays to be vigilant while shopping in-store as well. It’s vital to safeguard your physical cards and be aware of your surroundings, especially when using ATMs and point-of-sale terminals. Scan to Pay is a great alternative to traditional card payments, reducing the risk of card skimming and other kinds of in-person payment fraud. By simply scanning a code, your payment is processed securely, keeping your card details safe and away from prying eyes.

Why you need strong authentication

Multi-factor authentication (MFA) adds an extra layer of security to your transactions. This process involves the use of two or more verification methods, making it significantly harder for unauthorised users to access your accounts. Scan to Pay integrates strong authentication methods, ensuring that every transaction is not only convenient but also securely authenticated.

Scan to Pay: Secure and versatile

Scan to Pay is as flexible as it is secure. It’s extremely easy to present a QR code as a payment option, whether on an e-commerce checkout, or face-to-face at a retailer or physical store.

QR payments are superior to other digital payment options and can be used by downloading the Scan to Pay app or by using any of the Scan to Pay enabled banking apps.

Whether you’re picking up daily groceries or buying a special gift, consider using Scan to Pay this festive season because it’s suitable and ready to be used for every occasion.

Safe shopping and happy holidays!


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