1. Credit cards. The most familiar form of online payment is also one of the most secure payment methods. Credit card transactions are encrypted, which means the details are jumbled up and encoded.
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Most banks should reimburse you if you've transferred money to someone because of a scam. This type of scam is known as an 'authorised push payment'. If you've paid by Direct Debit, you should be able to get a full refund under the Direct Debit Guarantee.