When it comes to avoiding online shopping scams, a little vigilance goes a long way. According to the Federal Trade Commission, consumers reported more than $8.8 billion in losses to fraud last year, often through deceptive e-tailers. For a deeper look at overall safety measures, check our guide on how to shop online safely.
Smart shoppers combine simple habits with a bit of caution. These seven tips will help you spot scams, protect your data, and shop with confidence.
Recognize fake websites
Scammers often build look-alike sites to steal your payment details. Good news, you can spot most fakes by checking a few key elements:
- URL and domain
- Look for “https” and a padlock icon in the address bar
- Beware of extra words or misspellings (for example, “amaz0n” instead of “amazon”)
- Design and content
- Typos or poor grammar often signal a scam site
- Low-resolution logos or inconsistent branding can be red flags
- Contact information
- Legitimate retailers list phone numbers, email addresses, and physical addresses
- No “Contact us” page or generic email forms deserve extra scrutiny
Verify seller credibility
Even on big marketplaces, rogue sellers can slip through. Before you click “buy,” take these steps:
- Check ratings and reviews
- Read both high and low scores to spot patterns
- Watch out for too many 5-star reviews posted at once
- Research the seller
- Search their name online for complaints or scam alerts
- Compare prices—if it’s way below market value, question why
- Review return and refund policies
- Legitimate sellers will clearly explain how to return items
- Vague or missing policies often indicate trouble
Use secure payment methods
Your choice of payment can make or break your protection if something goes wrong. Consider these options:
| Payment method | Pros | Cons |
|---|---|---|
| Credit card | Built-in fraud protection, easy dispute | Possible interest if balance carries |
| Third-party wallet (for example, PayPal) | No direct bank exposure, dispute support | Seller fees, potential holds |
| Prepaid virtual card | Limits your maximum loss | No extended fraud coverage |
When possible, avoid paying by debit card or bank transfer. Credit cards and trusted wallets give you more leverage if you need to dispute a charge.
Enable two-factor authentication
Passwords alone are no longer enough. Enabling two-factor authentication (2FA) adds a second checkpoint whenever you log in:
- Choose an authenticator app (Google Authenticator or Authy) over SMS
- Link 2FA to your email, retailer accounts, and payment services
- Store backup codes in a safe place (not on your phone)
With 2FA enabled, a stolen password won’t be enough for scammers to access your account.
Keep software updated
Outdated browsers and operating systems can expose you to hidden exploits:
- Turn on automatic updates for your phone, computer, and browser
- Install security patches as soon as they’re available
- Use reputable antivirus software (many free options work well)
Regular updates close loopholes that fraudsters love to exploit.
Avoid public Wi-Fi
Free networks at cafes or airports are a favorite for eavesdroppers:
- Shop on your mobile network or use a personal hotspot when possible
- If you must use public Wi-Fi, connect through a virtual private network (VPN)
- Turn off file sharing and Bluetooth when you’re on unfamiliar networks
A little extra caution keeps your data out of reach of nearby snoopers.
Monitor your accounts
Catching a scam early can limit the damage:
- Set up account alerts for large purchases or new payment methods
- Review bank and credit card statements at least once a week
- Flag unfamiliar transactions immediately with your bank or card issuer
Prompt action makes fraud disputes smoother and more successful.
Plan your next steps
- Bookmark this article or jot down your top two tips.
- Pick one new habit—such as using a virtual card or enabling 2FA—and add it to your routine.
- Share these pointers with friends or family members who shop online.
Each step you take cuts your risk of falling for a scam. For more on safe buying habits, explore our secure online shopping practices. You’ve got this, and every check you make brings more peace of mind.
