How to check if a Payment Gateway is Secure
Man on cellphone and laptop

Online shopping is both quick and convenient – you simply pop your details into a secure payment gateway, authorise your online payment and, before you know it, your item(s) will arrive at your door. The process is fast, simple and you don’t even have to leave the comfort of your own home.  Practical, and a definite time-saver, online shopping also ensures that we are able to get our hands onto any gimmicky items, literature or kitchen equipment that is not otherwise available. However, when is it acceptable to authorise a payment and when should you click the little red cross at the top right hand corner of your screen?  

The best way in which to ensure that your online shopping experiences remain enjoyable is to double check that the payment gateway, through which you wish to pay, is secure. Not only do you risk your confidential information if a gateway is not secure, but you also open yourself up to other safety and security threats – your shipping address, for instance. The question remains, how does one go about checking whether or not a payment gateway and website is secure? Here is how you can do it:

Checking a Payment Gateway

A reliable payment gateway will ensure that customers are able to make secure online payments without risking their confidential information. To check whether or not a gateway is secure, you will need to look for the locked padlock icon. This little icon should pop up at the bottom right hand side of the screen or under the respective payment gateway’s logo. The padlock shows that the payment gateway, as well as the website, is secure. If you cannot see the icon, avoid punching in your information and give those ‘imported cashmere pullovers’ a miss. 

Checking a Website

If you want to take your investigation a step further, be sure to check whether or not the respective website is safe. Not only will this ensure that your details remain safe, it will also ensure that you are not bombarded with inappropriate pop-up ads, spammy emails or malware that can hide on your computer. Keep an eye out for the following:

  1. The web address begins with “https”. When opening up a site, double check the web address. If it begins with “http” (no ‘s’), the site is not secure.
  2. Legitimate Information. Be sure to double check the website’s physical address, as well as the return and privacy policy. A reliable company will have a legitimate physical address and will also provide customers with information regarding returns and privacy.
  3. No Pop-up Ads. Reliable websites will not have a variety of pop-up ads that appear when you try to click on an item. If pop-up ads are present, you know that you can give the site a skip.
  4. No Unsolicited Information Request. We’re all familiar with sites that request our contact information before we can proceed to the desired web page. If the site asks you for your details before you can proceed, you know that your information will not be secure.

Before punching in your confidential information, it is important to ensure that the website and payment gateway are both secure. The last thing that anyone wants is to fall victim to theft or fraud. If you’re looking for a secure and reliable online payment gateway, be sure to contact PayU for more information.