10 valuable advices to everybody who deals with payment systems on the Internet

Some when 15 years ago one of my friends said to me that shortly it would be the time when people during their acquaintance would be changed not only with their phone numbers but with their e-mail addresses i.e. to call name, then complicated mark @ and finally to add domain. As I remember I did not believe him thinking that it was usual nonsense of dreamer having read journals about computers.

Today time came when to change with e-mails or ICQ numbers is too small. Except their call signs in Internet more and more people share account numbers in payment systems with their friends and partners in order to have possibility in any time to send money to a person regardless of his location and on-line availability.

To open account and use payment system is very simple now but most people never think about their activities until once they knew that their account was blocked, cracked or any other strange thing happened with it. Believe me that to live by the maxim “ it is still not my business” is not possible now as the period of payment systems where nobody follows users went away together with E-gold, and it is time to think over how to operate with payment systems. We try to give you, gentle readers, some advices how to conduct your operations in payment systems.

1. It is desirable to create a separate e-mail for each account in every payment system during registration. For what? In future you will thank yourself many times if you do it. Firstly it is convenient to have separate correspondence for each payment system, secondly it protect you from possible hardships. It is no secret that payment systems periodically have been cracked and after that databases with e-mails, names and accounts appeared in Internet. So if somebody wishes your e-mail may be connected with the other references of your e-mail in Internet and then someone can draw a conclusion upon your financial history in Internet. For instance, after having cracked the international payment system Heartland Payment System, millions of clients were compromised. Just imagine what may happen if your e-mail appears in Internet together with account and transactions on it…

2. Try to use permanent IP- address for each payment system. The modern payment systems became skilled long ago at processing of information about IP-addresses from which clients entered. And if your IP-address is considered as one of risky addresses even if you deal with soft toys your account may be blocked. For instance there is information in Internet that if you registered in PayPal payment system under American IP-address then in a few days deposited to your plastic card, for example, from Romanian IP-address and withdrew your funds from Russian IP-address, eventually your account may be blocked. So think about SOCKS and VPNs which you use.

3. Refer responsible to notes at payment’s transactions. There are a lot of stories that in various payment systems people during transactions indicated notes with illegal meaning and on the next day found their account blocked. Don’t you believe it? Try to send in WebMoney system couple of hundred dollars with a note: «For terrorist act». Surely it is better not to do it!

4. Do not bypass with partner programs of the payment systems. There is no doubt that nobody calls you to stamp sites with your reference links. But in any case if you place your banner or locate payment system’s logotype at your site always describe your reference link. For what?

There is always possibility that either well-to-do person who makes his business in Internet or some exchange office once jumping with your link, reviewing your site and then will register in a few weeks. Today most payment systems offer partner programs which ties up referrals to referrers even if few weeks passed from the moment of jumping with the link. Today the international payment system Perfect Money possesses one of the best partner programs where clients are offered not only high partner payment but even payment for a placement of payment system’s logotype at client’s site. Do not be lazy at prescribing of referrals’ links as referrals with tens of thousands on their accounts – for example, exchange offices – can fetch you hundreds of dollars of net profit monthly. Of course if you are lucky…

5. Do not start up your activities with payment systems without antivirus programs and Firewall-s. It means that you should not enter account but above all even not register in a payment system if your computer is not protected. Today nobody even advanced users do not secure from the various «trojans», «keyloggers» and so on. Think that having spared your time and money on safety you can lose your money within one moment. There are a number of stories in Internet about user who one day at entering his account finds out only nulls there. Especially it is concerned of WebMoney Keeper-s in which under trojan’s impact all money from a purse may be withdrawn during a transaction on little amount’s transfer.

6. During acquaintance with work of any payment system the first one you have to study is not “commission” section but first of all “safety” section. Try to use all offered means of security.

7. Be careful with fishing letters and fishing sites. Remember one simple gold rule – there is only one way for you to enter payment system’s site, i.e. to type with your hands the exact domain of the payment system in browser’s address line. Whatever letters you receive, whatever links you are offered to jump, remember that the only way to enter payment system’s site is the above one.

8. If you make transactions with large amounts whatever you deal with you should always follow payment system’s condition. Regularly check the traffic on its site through Alexa.com system, read specialized forums and monitor sites which make comparison of cross-rates on e-currency exchange in the different exchange offices, for example obmenniki.com. If you notice that the traffic on payment system’s site has increased significantly and exchange volume of your e-currency rises up therefore people try to get rid of this currency and you should think over why. Direct to the forums to find an answer. May be due to some external circumstances your e-currency rate is dropping and it is necessary for you to exchange it as soon as possible.

9. Also it is important to remember that whatever payment systems you use, for each system you should have a unique password different with your e-mail password. The password shall be long (advisable more than 20 characters) and it will be better if you store it in your head. If you can not remember it then write it down otherwise the single password to all your accounts in the payment systems may be a key to all your “silver coins” in case of cracking… Other words one payment system may be cracked but you will lose your money in all systems.

10. And finally try not to keep large amount in the payment systems. Though it seems to you that nothing is ill-omened it is better to spend one day on withdrawal funds to the bank account or cash money out than one day to find your account blocked or cracked.

Today each payment system try to stand out with its individuality but regardless of what original service you are being offered these 10 advices described above always will be useful for you. May be some of them you have already known, some ones you sometimes use but unfortunately most of people who lost their money in the payment systems knew safety tips perfectly but for some reason did not want to use them. Do not repeat somebody’s mistakes!

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