Is this website genuine? 7 checks before you pay

Before you start

• You haven't paid or entered card details yet.
• You have a few minutes. Don't let a countdown timer rush you.

0 of 2 done. Ticking just helps you keep track; nothing is saved or sent.

Steps

1. 1

   Check the web address carefully

   Look for misspellings, extra words or an unusual ending. Type the address yourself rather than following a link in a text or email.

2. 2

   Find out who runs it

   Look for a company name and number at the bottom of the page or in the terms. Then look the company up on Companies House.

3. 3

   Look for a real way to contact them

   A genuine business gives a phone number, an email address and a postal address. If you're unsure, try calling before you pay.

4. 4

   Read independent reviews

   Search for the business name plus "reviews" and read recent reviews on independent sites, not just the ones on its own website.

5. 5

   Read the terms before you agree

   Check what you're signing up to: whether it's a subscription, any minimum term, how to cancel and how refunds work.

6. 6

   Pay the safest way

   A credit card gives you extra protection under Section 75 for a single item or service costing over £100 and up to £30,000. Debit cards and PayPal have their own dispute processes. Avoid paying a business you don't know by bank transfer.

7. 7

   Notice pressure

   Countdown timers, "today only" prices and messages telling you not to talk to anyone are all reasons to slow down.

Things to be careful about

• The padlock isn't a seal of approval. Scam websites can have one too.

• Adverts at the top of search results can be fake. Check the address before you click.

• Never pay a business you don't know with gift cards, vouchers or cryptocurrency. Genuine companies don't ask for them.

• Get a second opinion. The free Get Safe Online website checker (opens in a new tab) can help.

If you think you've been scammed

1. 1

   Call your bank straight away

   Call 159, or the number on the back of your card, to reach your bank safely.

2. 2

   Report it

   Report fraud to Report Fraud on 0300 123 2040. In Scotland, call Police Scotland on 101.

3. 3

   Report the website

   You can report a suspicious website to the National Cyber Security Centre (opens in a new tab).