Izingosi ezinkulu ze-e-commerce njenge-eBay, i-Amazon, i-ASOS, kanye ne-Mercado Libre ziyizindawo lapho ungathenga futhi uthengise khona imikhiqizo oyithandayo. Lezi zinkundla ngokuvamile zithembekile uma kukhulunywa ngokuthengiselana kwebhange kanye nokukhokha ngekhadi lesikweletu, kodwa akukubi neze ukuqaphela ukuvimbela izinkinga noma izinkinga ezingaba khona. Ngezansi, sizokunikeza amathiphu okugcina ukuphepha kwakho kumasayithi okuthenga nokuthengisa ku-inthanethi , sihlanganise imikhuba emihle yobuchwepheshe kanye nemikhuba yokuphequlula ephephile.
Izigebengu ze-inthanethi zibona ukuhweba nge-inthanethi njengethuba elihle lokweba idatha yomuntu siqu neyezezimali. Isigameko esisodwa sokuphepha singaqeda ukwethenjwa kwamakhasimende futhi sibeke engcupheni ukuqhubeka kwebhizinisi, okwenza kube kubalulekile kokubili kubathengi nabathengisi ukuphatha ngokucophelela yonke imininingwane yokuthenga.
Musa ukugcina imininingwane yekhadi lakho lesikweletu
Kuye ngesiphequluli sakho, singakunikeza inketho yokulondoloza ulwazi lwakho lokukhokha ukuze kusheshiswe ukuthenga kwesikhathi esizayo. Asincomi ukulondoloza idatha ebucayi njengezinombolo zekhadi lesikweletu noma imininingwane ye-akhawunti yasebhange kusiphequluli sakho. Lokhu kuyingozi kakhulu, njengoba lolu lwazi lungabiwa ngumhlaseli futhi kubangele izinkinga ezinkulu. Ukuvimbela lolu hlobo lwesitoreji kuyindlela elula nephumelelayo kakhulu.
Sebenzisa isango lokukhokha eliqinisekisiwe ukuphatha izinombolo zekhadi lakho futhi ugweme ukuzigcina kuzithombe-skrini, amanothi ocingo, noma amafayela angavikelekile. Ulwazi olungabucayi kangako olugcinwa ezindaweni ezingaphephile, luzokwenza kube nomthelela omncane uma kwenzeka ukwebiwa.
Noma nini lapho kungenzeka, beka phambili izindlela zokukhokha ngokuvikelwa okwengeziwe, njengezinkundla zokukhokha eziqashelwayo (isb., i-PayPal), amakhadi asetshenziswa kanye kuphela , noma izinhlelo ezinokuqinisekiswa okuqinile (i-3D Secure). Lezi zinketho zengeza izendlalelo ezengeziwe zokuphepha kuthengiselwano futhi zinciphise ingozi yokukhwabanisa.
Funda izibuyekezo zomthengisi
Kunezinhlobo eziningi zabathengisi kumasayithi e-e-commerce: abanye basebenza kahle kakhulu ekuthumeleni nasekuhlinzekeni amakhasimende, kanti abanye abathembekile kangako. Kungcono ukufunda izibuyekezo ezivela kwabanye abathengi ukuze uthole umbono wohlobo lomthengisi ocabanga ngaye.
Ngaphezu kwesilinganiso esimaphakathi, naka inani lezibuyekezo kanye nezinga lazo lemininingwane . Amazwana ajwayelekile, aphindaphindwayo, noma abhalwe kabi angaba yizimpawu ezibomvu. Sesha ngaphandle igama lesitolo noma lomthengisi kanye namagama anjengokuthi "izibuyekezo," "umkhonyovu," noma "isikhalazo" ukuze uthole okuhlangenwe nakho okungekuhle okungenzeka kungaveli epulatifomu uqobo.
Futhi qaphela ulwazi lokuxhumana kanye nezinqubomgomo zokubuyisa impahla . Ibhizinisi elihloniphekile libonisa ngokucacile igama lenkampani yalo, ikheli, iziteshi zesevisi yamakhasimende, kanye nemigomo nemibandela yokuthenga, ukubuyisa impahla kanye nokubuyiselwa kwemali. Uma lolu lwazi lungekho noma lungacacile, qaphela, noma ngabe amanani abonakala ekhanga kakhulu.
Ukubuyekezwa kwansuku zonke kwe-akhawunti yakho
Ukuqaphela kufanele kube umkhuba oqhubekayo, ikakhulukazi uma kukhulunywa ngezimali zakho. Ukuhlola i-akhawunti yakho njalo kufanele kube umkhuba: ukuqinisekisa ukuthi konke kuhamba kahle nokuthi azikho izinguquko ezingagunyaziwe kubalulekile, njengoba kunabantu abeba idatha futhi abangakulimaza kakhulu.
Hlola njalo ukuthengiselana kwamakhadi akho kanye nokubhanga ku-inthanethi , kanye nomlando we-oda lakho ezinkundleni zokuxhumana nge-inthanethi. Uma ubona noma yiziphi izindleko ezingajwayelekile, izinguquko ekhelini lakho lokuthumela ongazigunyazanga, noma ungena ngemvume usuka endaweni engavamile, xhumana nebhange lakho kanye nensizakalo yamakhasimende yenkundla ngokushesha.
Izikhungo eziningi zikuvumela ukuthi usebenzise izaziso ze-SMS noma ze-imeyili kukho konke ukuthenga noma ukungena ngemvume. Ukusetha lezi zaziso kukusiza ukuthi ubone ukusetshenziswa kabi ngemizuzu, kunciphisa inani lokukhwabanisa futhi kusize ekufakeni izicelo.
Izici ezibalulekile zokuphepha kwezobuchwepheshe kwezentengiselwano ze-e
Ngaphezu kwemikhuba emihle yabasebenzisi, izitolo eziku-inthanethi kumele zisebenzise izinyathelo zokuphepha zobuchwepheshe ukuze zenze ukuthengiselana kuphephe. ​​Iwebhusayithi ethembekile kufanele isebenzise iphrothokholi ye-HTTPS enesitifiketi se-SSL/TLS, esibhala idatha phakathi kwesiphequluli neseva futhi sibonise isithonjana se-padlock kubha yekheli.
Kunconywa ukuthi ipulatifomu isebenzise ukuqinisekiswa kwezinto ezimbili (2FA noma i-MFA) ukuze kufinyelelwe kumlawuli, futhi lapho kungenzeka, nakumakhasimende. Lokhu kuqinisekiswa kwesibili okusebenzisa ikhodi yesikhashana kudivayisi yeselula noma kuhlelo lokusebenza lokuqinisekisa kuvimbela kakhulu imizamo yabahlaseli, noma ngabe bathola iphasiwedi.
Eminye imikhuba emihle yesitolo ifaka phakathi ukugcina isofthiwe, ama-plugin, kanye nesango lokukhokha kusesikhathini , ukusebenzisa ama-firewall ezinhlelo zokusebenza zewebhu (ama-WAF), izinhlelo zokuthola ukungena ngaphakathi, kanye namathuluzi okulwa ne-malware avimba ukuhlaselwa okuvamile njengokufakwa kwekhodi, imizamo yokufinyelela ngobuningi, noma i-malware eyenzelwe ukweba idatha.
Endabeni yokukhokha, izitolo kumele zihambisane nezindinganiso ezifana ne- PCI DSS zokucubungula amakhadi kanye nemithetho efana ne -PSD2 ekhuthaza ukuqinisekiswa kwamakhasimende okuqinile. Kunconywa futhi ukusebenzisa izinhlelo zokuthola ukukhwabanisa ezihlaziya amaphethini okuthenga angajwayelekile, izindawo ezisolisayo, noma imizamo eminingi yokukhokha ehlulekile.
Imikhuba engcono kakhulu yokuthenga ngokuphephile
Kumthengi, kuneziqondiso eziningana eziqinisa ukuphepha ngale kobuchwepheshe uqobo. Kubalulekile ukugwema ukusebenzisa amanethiwekhi e-Wi-Fi omphakathi noma avulekile lapho wenza izinkokhelo, njengoba umhlaseli kunethiwekhi efanayo angavimba ulwazi. Uma kungekho okunye, kuyalulekwa ukusebenzisa i-VPN ethembekile.
Qaphela okunikezwayo okukhanga kakhulu , izaphulelo ezingalingani, noma izikhangiso zezokuxhumana ezivela ezitolo ezingaziwa. Izivumelwano ezingenakwenzeka zivame ukufihla ukukhwabanisa, ukuzenza ongeyena umkhiqizo, noma amawebhusayithi enzelwe ukuqoqa imininingwane yekhadi lesikweletu namaphasiwedi.
Hlola njalo ukuthi ikheli lewebhusayithi lipelwe kahle, ngaphandle kwezinhlamvu ezingajwayelekile noma izizinda ezingavamile, nokuthi ukwakheka nombhalo kusezingeni eliphansi. Amawebhusayithi adalwe ngezinhloso zokukhwabanisa avame ukubonisa amaphutha okupela asobala , izithombe zekhwalithi ephansi, kanye nolwazi oluncane lwezomthetho.
Yamukela imikhuba efana nokusebenzisa amaphasiwedi aqinile nahlukile kusevisi ngayinye, ukuvumela ukuqinisekiswa kwezinto ezimbili uma kutholakala, kanye nokungalandi noma ukufaka isofthiwe emithonjeni engabazekayo kumadivayisi owasebenzisela ukuthenga, njengoba ingaqukatha izinhlelo ezinonya ezenzelwe ukweba iziqinisekiso kanye nedatha yasebhange.
Ukunaka le mininingwane yezobuchwepheshe kanye nokuziphatha kwenza isipiliyoni sokuthenga ku-inthanethi siphephe kakhulu, kuvikela idatha yakho yomuntu siqu neyezezimali, futhi kuthuthukisa ukwethenjwa kokubili kumapulatifomu amakhulu e-commerce kanye nezitolo ezincane zedijithali ezibeka phambili ukuphepha kusukela ngokuchofoza kokuqala.