Online shopping has taken the Philippines by storm. With platforms like Lazada, Shopee, and Zalora dominating the market, e-commerce offers unparalleled convenience for Filipinos. But with convenience comes risk, as online scams and fraud are becoming increasingly common. Ensuring safe online shopping practices is now a must for every savvy shopper. Plus, it’s best to know some online shopping safety tips by heart and enjoy a worry-free shopping experience. 

Growing popularity of online shopping in The Philippines 

Over the years, online shopping has revolutionized the way Filipinos shop. Whether it’s double-digit sales on Shopee or hunting for fashion deals on Zalora, e-commerce offers unmatched ease. (By the way, if you want to learn how to shop smart with BNPL and credit cards, read our tips here!) 

But this convenience comes with risks — from counterfeit items to scams that target unsuspecting buyers. As online shopping grows, so does the need for safer practices to protect consumers. Here are ways to ensure your safe online shopping: 

1. Recognizing legitimate online stores

• How to verify trusted e-commerce platforms: Stick to well-established platforms like Lazada, Shopee, and Zalora for a safer experience. These sites are known for their secure payment systems and buyer protection policies.

  Pro-tip: Check reviews and ratings for both sellers and products before making a purchase. A little research can save you from potential headaches!

• Spotting fake websites: Look for “https://” in the URL, which indicates a secure connection. Be wary of misspelled URLs (like “shopeee.ph”) or unofficial domains. 

2. Protecting your financial information 

• Use secure payment methods
  • Opt for cash on delivery (COD) when possible.
  • Use virtual debit cards, credit cards, or e-wallets like Tonik, GCash, and Maya, which offer fraud protection. Know more about the secrets to safe online money transfers here.
  • Avoid direct bank transfers unless you’re confident in the seller’s credibility.
• Monitor transactions
  • Regularly review your bank and credit card statements for unauthorized transactions. Enable transaction alerts on your e-wallet or banking app to detect fraud in real time.

Pro-tip: If you’ve got a Tonik debit card, you can easily manage your card’s security on the Tonik app, and toggle to purple in case you want to block your card from online payments, physical payments, ATM withdrawals, or overseas usage.  

3. Avoiding common scams 

• Recognizing phishing emails and messages: Be cautious of emails or messages offering unbelievable deals or claiming account issues. Scammers often use fake links to steal your personal information.  

     Pro-tip: Genuine companies will never ask for your passwords or sensitive details through email or SMS.

• Too-good-to-be-true deals: If a deal seems too good to be true, it probably is. Extremely low prices and questionable sellers are often red flags for scams.
• Fake Online Sellers on Social Media: Social media is teeming with unverified sellers. Before buying, check for reviews, comments, or recommendations. If you encounter fraud, report the account to the platform immediately. Keep updated on online shopping safety tips to know the most recent scamming methods going around.  

Did you know? 

Scams abound during the holiday season in The Philippines, whether they’re riding on double-digit sales or annual festivities. In fact, The National Privacy Commission (NPC) regularly reminds Filipino consumers to be extra vigilant against cybercriminals in the Christmas season when everyone is more prone to being victimized by “unlawful elements.” ABS-CBN News also reported that the Cybercrime Investigation and Coordinating Center (CICC) anticipates an increase in scams every Christmas since more Filipinos go online to buy gifts and food for social gatherings. These scams include fake shopping websites, fake online sellers, fake Christmas gift card scams, crypto investment scams, and loan scams.  

That’s why it’s essential to take advantage of digital banks for safe online shopping. In the Tonik app, for instance, you can easily lock your debit card by toggling the “Lock card” option in a matter of seconds. This feature is a lifesaver in case your card was stolen or if you’ve detected suspicious transactions.  

4.  Safeguarding personal information 

• Limit sharing of personal details: Only provide necessary details during transactions. Consider using a separate email address dedicated to online shopping for added privacy. These online shopping safety tips may sound simple but they make a world of a difference if you get targeted by scammers.  
• Beware of public WiFi: Avoid shopping online while connected to public WiFi networks, as they’re vulnerable to hackers. If you must use one, a VPN can provide an extra layer of security.

5. Safe online shopping habits 

• Stick to apps and official websites: Download official shopping apps or visit verified websites directly. Some official apps and websites even offer online shopping safety tips or warnings about scammers pretending to be them. Avoid clicking on third-party links or ads.
• Read product descriptions and reviews: Misleading product descriptions can lead to disappointing purchases. Check reviews and product ratings to ensure quality and authenticity.
• Set up notifications and alerts: Enable app notifications and payment alerts to track transactions and delivery updates in real time. 

6. Leveraging local online shopping tools

• Trusted delivery services: Choose platforms that partner with reliable couriers like J&T, LBC, or Ninja Van. Use tracking features to monitor your shipment’s progress.
• Using escrow services: Platforms like Shopee and Lazada offer escrow options that release payment only after the buyer confirms receipt of the item. This provides added protection.
• E-wallet and cashback platforms: Secure payments are easy with GCash, Maya, or GrabPay. Plus, their cashback and rewards programs sweeten the deal while ensuring safe online shopping. Read more about the top e-wallets in the Philippines here.   

What to do if you encounter fraud 

Steps to Report Scams 

If you suspect fraud, immediately report it to:

• The National Privacy Commission (NPC)
• The Cybercrime Investigation and Coordinating Center (CICC)
• Your payment provider or bank 

Recovering financial losses

Dispute unauthorized transactions with your payment provider. And of course, the most popular solution on any list of online shopping safety tips: Freeze compromised accounts to prevent further unauthorized use. 

Build financial safety with Tonik

Worried about the safety of your online transactions? Tonik is here to make safe online shopping easier and more secure! With Tonik’s virtual debit card, you can shop online confidently, knowing your financial information is protected. 

Why choose Tonik for safe online shopping? 

1. Virtual debit card for enhanced security 
   Tonik’s virtual debit card is designed to keep your sensitive details private during transactions. Unlike traditional cards, virtual debit cards can be easily managed through the Tonik app, and you can update or freeze the card instantly if needed. This minimizes the risk of unauthorized access, making it ideal for safe online shopping.
2. Secure transactions with advanced safety measures 
   Tonik uses cutting-edge security protocols, including encryption and fraud monitoring, to ensure your transactions are safe. Whether you’re buying groceries, gadgets, or gifts, your money is protected.
3. Seamless online payments 
   With Tonik, making payments is hassle-free. Link your virtual debit card to popular e-commerce platforms or use it for one-time purchases. Plus, enjoy the flexibility to shop at any online store that accepts Mastercard. Product loans will also allow you to pay later. In case you want to pay for appliances in installments, you can avail of Tonik’s Shop Installment Loan and pay your dues on a more convenient time and date!
4. Budget-friendly shopping with Tonik Stashes 
   Save while you shop! Create a Tonik Stash for your online shopping budget, so you can set limits, avoid overspending, and make smarter financial choices. Stashes also earn interest, giving you more value for your money.
5. Real-time alerts and notifications 
   Get instant updates on all transactions made with your Tonik virtual debit card. This real-time tracking helps you monitor your spending and quickly spot any unauthorized activity. If that doesn’t ensure safe online shopping, then we don’t know what does!

With Tonik, you don’t have to compromise on convenience or security. Make the most of your safe online shopping experience with Tonik’s virtual debit card and robust safety features. Ready to elevate your online shopping game? Sign up with Tonik today and enjoy peace of mind every time you shop! ✨