The generalization of electronic payments has transformed how shopping is made in Portugal. With the decrease of cash use, the bank card and contactless methods began to dominate daily transactions, especially in the retail. However, this advance brings new risks that not everyone consider when paying.
According to Bank of Spain, one of the main errors made by consumers occurs even before touching or entering the ATM card into the terminal. The problem arises when the user does not give the amount that appears on the payment terminal display before authorizing the transaction. This failure can result in incorrect or even abusive debts, especially in environments with large volume of customers, where attention to detail tends to decrease.
Quick payments, invisible problems
The growth of approach payments, known as contactless, facilitated quick and physical contact. However, according to the same source, this ease also created a distraction habit. Many consumers authorize payments without even looking at the amount displayed at the terminal, automatically relying on the correction of the amount introduced by the merchant.
Although most stores proceed honestly, verification of the amount is an indispensable step to avoid damage. The simple gesture of verifying the number presented may prevent involuntary errors or eventual irregularities.
The bead still matters
Another common behavior, and equally advised against, is to refuse the boot of the operation. When the merchant asks if the customer wants the bead, many choose not to take him, considering that it is a waste of paper or believing that they will not need it.
According to the same source, this proof contains essential information about the transaction and must be stored, at least until the regularity of the movement in the bank account is confirmed. Its usefulness goes beyond simple verification: it can be a key piece in any complaints.
Attention to bank movements
To reinforce safety, the Spain Bank also recommends the frequent consultation of card movements associated with the bank account. This practice allows you to quickly detect any improper transaction and take corrective measures in a timely manner.
In addition to printed receipt, many terminals offer the possibility of sending the proof electronically, which can facilitate the organization and personal control of expenses.
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Simple practices, effective prevention
Although they look like simple gestures, actions, such as checking the value on the screen and preserving the bead helps reinforce confidence in digital payments. These precautions, when systematically repeated, contribute to greater protection against mistakes and circumvents.
It should also be noted that these good practices apply to both physical card transactions and MB Way payments or virtual cards. The user’s attention remains a decisive factor in the prevention of fraud.
Provisional conclusion, lasting habit
Although payment methods are constantly changing, attention to detail remains an effective tool. When checking the amount before authorizing payment and retaining proof of the transaction, the consumer adopts a proactive attitude that can avoid disagreement.
According to the growing use of digital media does not eliminate the risk of human error or fraudulent behavior. Maintaining the habit of confirming each transaction is therefore a practical safeguard and accessible to all.
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