Do not pay outside the e-commerce platform

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When shopping online on Black Friday, it is essential that payment is made on the same platform where the user was viewing the catalog. Be suspicious if the website or app asks you to complete the purchase on an external page or asks you to activate a WhatsApp number to receive the Pix key.

Reliable stores have an integrated e-commerce iceland mobile database to facilitate payment within the same environment, including the release of payment via Pix. In addition, this is a guarantee of reimbursement of the amount, if the order does not arrive.


3. Set a limit for transactions


By default, users can make transfers of any amount via Pix. However, it is possible to set a limit to prevent transactions larger than the amount allowed by the consumer. This determination by the Central Bank was put into practice in October of this year and protects people from being victims of fraud or being forced to make high-value transactions in robberies or kidnappings.

Banking apps allow you to easily adjust your Pix limit — Photo: Reproduction/Rodrigo Fernandes
Banking apps allow you to easily adjust your Pix limit — Photo: Reproduction/Rodrigo Fernandes

Currently, all banking services allow you to change your Pix limit through the bank's own app, such as Bradesco, Itaú, Santander and Nubank. The change can be made easily through the app's settings. To reduce the limit, you must register immediately. To increase the maximum amount, you must have 48 hours to make the request, for security reasons.

It is worth noting that Pix payments at large retailers are made via QR code, which carries all payment data automatically and securely. Even so, the user must pay attention to all the data of the person who will receive the amount before confirming the transaction, as it is not possible to reverse the sending of a Pix.


4. Do not transfer files while logged into public Wi-Fi networks


Many people use public Wi-Fi networks in shopping malls, restaurants and hotels to save on their mobile data plan or to achieve faster browsing speeds. However, you need to be careful with this practice. Experts advise consumers to never make purchases using public Wi-Fi networks, because they are more vulnerable than private networks.

It is important to avoid making transactions via Pix on public Wi-Fi networks — Photo: Pond5
It is important to avoid making transactions via Pix on public Wi-Fi networks — Photo: Pond5

When accessing the bank's app through this type of connection, the user's access can be tracked by intruders within the network, making them easy prey for criminals trying to steal data. In addition, there is malware that can even change the payment barcode in order to redirect the amounts to the criminals. Therefore, when making a Pix payment, it is best to use your smartphone's mobile network until the transaction is completed.