How secure is payment via SBP?
Posted: Wed Feb 19, 2025 4:38 am
As soon as the smartphone reads the code and redirects, the payment menu will appear in the corresponding application. In the new window, in addition to the amount, the name of the outlet to which the payment is being made should be indicated. Check the information and confirm the action. The funds will be debited from your account. They will be immediately sent to the seller, and you will be able to receive a receipt.
As for the QR codes themselves, they can be the same for all purchases, or generated during each new payment. In the first case, the amount is specified manually, in the second, it is set automatically. It is important to enter the correct values for a successful payment. If necessary, check the amount with the cashier.
In terms of security, QR code payments are superior to most cashless payment methods. The main reason is that the payment process does not involve bank card details, which are the most vulnerable. Compromised numbers and CVV codes often become the reason for fraudsters to steal money. In the case of SBP payments, this data is not used – the money is sent to the seller directly from the buyer's account.
The possibility of substitution of the QR code itself is usually hungary mobile database also excluded. Especially when it comes to symbols that are generated individually for each specific purchase and displayed on the terminal screen. In addition, when paying, you see the name of the store to which the money is sent.
However, it is important to take basic precautions:
try not to pay in dubious online stores;
carefully check the authenticity of websites where QR codes are posted - fraudsters can copy them and pass off "clones" as official resources of well-known companies;
When paying, pay attention to the name of the store and the payment amount.
Also, try to enter the values carefully. If you enter a large payment amount, the payment may not go through. The money will be returned, but it may take some time. In practice, this happens extremely rarely. In addition, manual entry of the value is usually required only when scanning a QR code, the same for all payments.
As for the QR codes themselves, they can be the same for all purchases, or generated during each new payment. In the first case, the amount is specified manually, in the second, it is set automatically. It is important to enter the correct values for a successful payment. If necessary, check the amount with the cashier.
In terms of security, QR code payments are superior to most cashless payment methods. The main reason is that the payment process does not involve bank card details, which are the most vulnerable. Compromised numbers and CVV codes often become the reason for fraudsters to steal money. In the case of SBP payments, this data is not used – the money is sent to the seller directly from the buyer's account.
The possibility of substitution of the QR code itself is usually hungary mobile database also excluded. Especially when it comes to symbols that are generated individually for each specific purchase and displayed on the terminal screen. In addition, when paying, you see the name of the store to which the money is sent.
However, it is important to take basic precautions:
try not to pay in dubious online stores;
carefully check the authenticity of websites where QR codes are posted - fraudsters can copy them and pass off "clones" as official resources of well-known companies;
When paying, pay attention to the name of the store and the payment amount.
Also, try to enter the values carefully. If you enter a large payment amount, the payment may not go through. The money will be returned, but it may take some time. In practice, this happens extremely rarely. In addition, manual entry of the value is usually required only when scanning a QR code, the same for all payments.