Do not open unfamiliar links:

• Scammers often send messages via SMS or Email with links, luring recipients with enticing “prizes” or a chance at a high-paying position.

Check for the right and secure website:

• Online transactions can be done via Starpay App to login.
• Before doing any online transactions or sending personal information, make sure that correct website has been accessed. Beware of bogus or “look alike” websites which are designed to deceive consumers.
• Check if the website is “secure” by checking the Universal Resource Locators (URLs) which should begin with “https” and a closed padlock icon on the status bar in the browser is displayed. To confirm authenticity of the site, double-click on the lock icon to display a security certificate information of the site.
• Always enter the URL of the website directly into the web browser. Avoid being re-directed to the website, or hyperlink to it from a website that may not be as secure.

Never share personal information:

It is common practice for scammers to call individuals and pose as company representatives to gather personal user information. Company will never ask its customers for MPINs and OTPs and will only reach out to customers through official channels. Best practices as follows:

• Do not disclose Login ID and Password.
• Do not disclose your Mobile Pin (MPIN) to anyone.
• Regularly change the MPIN.
• Regularly change password or PIN and avoid using easy-to-guess passwords such as names or birthdays. Password should be a combination of characters (uppercase and lowercase) and numbers and should be at least six (6) digits in length.
• Do not let other people use your mobile phone enrolled in a mobile banking service. If the phone is lost or stolen, report the incident immediately to the Bank.
• Be vigilant. Refrain from doing mobile banking transactions in a place where you observe the presence of “shoulder surfers”..

Activate 2-Factor Authentication:

• A security feature to help safeguard its users from account takeovers.
• It strengthens the security of starpay users as it helps prevent unauthorized The first level of security is the OTP (One-time PIN), a unique number combination sent only to the user’s mobile number. The second level of authentication is the MPIN (Mobile PIN) which is a 4-digit passcode that only the customer owner should know. 

Double-check before buying:

• Fake online sellers and shops offer too-good-to-be-true deals to lure individuals into purchasing their products. It is recommended double check online offers, as well as checking reviews to ensure authenticity. 

Check the site’s privacy policy and disclosures:

• Read and understand website disclosures specifically on refund, shipping, account debit/credit policies and other terms and conditions.
• Before providing any personal financial information to a website, determine how the information will be used or shared with others.
• Check the site’s statements about the security provided for the information divulged.
• Some websites’ disclosures are easier to find than others — look at the bottom of the home page, on order forms or in the “About” or “FAQs” section of a site. If the customer is not comfortable with the policy, consider doing business elsewhere.