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Online Payment Systems

By making online payment of your bills, you save a lot of postal expense. An average household spends about $70 per annum towards postal expense. It also helps eliminating the payment of late fees against bills that don’t get paid in time. Missed payments can result to paying:

  • A higher rate of interest
  • Overdue charges or late fees
  • If the payment remains unpaid for long, you may get classified under ‘collection status’


You can manage your debts quite conveniently by having an automatic system for making online payments against bills that need to be paid every month or week. You can specify the amount and the date of making the payment, and the system will automatically withdraw funds from your account and pay to the designated party, thus eliminating the chances of making late payments, or the checks getting lost to save you from penalties; it saves your time as well. That makes it the most reliable way of ensuring that all your regular bills are paid in time.

What should users look out for?

The execution of electronically concluded transactions is always associated with slight risks. Though negligible, the probability of such risks is on the increase, mainly due to the development of very refined hacking techniques.

For quite some time, a significant issue has been of a technique called ‘phishing’. This technique involves sending a cleverly designed fake message by way of a web page popup or an email that makes send the details of your personal account to a wrong person. Such messages often seem to be genuine, but swindle unsuspecting consumers who aren’t vigilant.

How to Safeguard Yourself from Scams

Here are some steps to avoid getting cheated online:

  • Frequently change your passwords. Your password should have lower and upper case letters, along with certain symbols to make its guess too difficult.
  • Do not ever entertain any email that asks for the details of your personal account, howsoever genuine the mail may look to be.
  • Keep checking your online account regularly to realize any suspicious activity that may occur.
  • Delete mails received from unknown senders. Should you get prompted to open them, don’t click on any of the links provided there. You may be exposing your computer to the risk of attracting some viruses. Even if you consider the mail to be genuine, it is recommended that you type the given address on your browser and not to click on that link.