1. SizeThe difference: A skimmer is usually longer and wider than the terminal itself. TA skimming terminal is noticeably larger than a true one. Size can help you recognize a fraudulent device.
2. No Button HighlightsThe difference: If a skimmer was inserted too quickly, it may block the button highlighting on the terminal. The buttons will instead be dull and faded.
3. The Green LED Light Is BlockedThe difference: An attachable skimmer blocks the green LED light on the terminal. On a true terminal, you should see this LED light when the terminal scans a card.
4. Frequent Operation ErrorsThe difference: Skimmers often get in the way of the magnetic strip when they scan a card. This causes frequent operation errors. It also significantly slows down the usual terminal operations. If a terminal is moving much slower than it should, it may be a skimmer.
5. A Stylus Is Not AttachedThe difference: All payment terminals have a stylus attached to them, so clients can enter their signature after their card has been scanned. A skimmer blocks the stylus from being attached.
How To Protect Your MoneySo, you've learned how to spot a skimmer. But there are other important ways to protect your money.
- Have a separate debit card that only holds the sum you need for the purchase at hand.
- React promptly to unexpected purchases.
- Set limits on your account. Setting purchase limits and cash withdraw limits will ensure that criminals aren't able to withdraw all of your money at once.
- If you lose your card, immediately call your bank and block all purchases.
- Learn about card insurance capabilities with your bank. Some credit organizations have special programs in place for protecting their clients from fraud. They may also reimburse for damages.
- When you pay with your card, make sure that employees or cashiers do not take the card away from you. Even at a restaurant, it's best to ask that your card be swiped in front of you, instead of allowing your waiter to take it.
- Read receipts carefully after using your card to make a purchase. The field with the paid amount must not be empty.