There PostePay is the prepaid card of Poste Italiane, and is a payment system widely used in our country today. However, it is by no means immune to scams, which is to be expected. And even if, as a prepaid card, the “damage” is less than that caused, for example, by a traditional credit card and it is good to know what potential risks you can face, to know how to defend yourself and how to protect yourself.
What are the most common scams that the owners of PostePay can they be victims?
– card cloning;
– payments for purchases made online, and never arrived at their destination;
– carrying out unwanted and unsolicited top-ups.
In the first and last case, PostePay is the victim of an attack by some cybercriminals, who clone it and use it to make payments or to top up other cards or mobile numbers.
These are cases of “hacking” or fraudsters acquire all the data relating to the card of a particular user and use that money for their personal purposes. If you are the victim of a scam of this type, you must immediately file a complaint with the Postal Police and the Carabinieri in order to be able to take advantage of the procedure “chargeback“.
On the other hand, in the case of items purchased and never sold, compensation is difficult and to prevent phishing it is necessary to use great caution and foresight: it is good to know that Poste Italiane never sends emails to its customers, inviting them to provide personal data or access codes. In the event that you receive an email of this kind, it is certainly a scam aimed at stealing the codes of your PostePay so be very careful not to click on any link and never provide any data or code: this is the only one way to defend yourself.
Lately there is also a type of scam that is spreading quickly and users who are selling their items on private sale and purchase portals run this risk and, very soon after the publication of the ad, yes is contacted by a person who is interested in buying that good, asking for the mobile number.
After a whole series of negotiations both via SMS and WhatsApp, that “buyer” invites you to send him a photocopy of your identity card and your card PostePay. In the event that it is decided to close this sale, the seller begins to receive several emails from an elusive foreign bank urging him to pay a certain sum that is passed off as a tax, so that the payment can be unblocked. The only defense weapon is certainly prudence.