Online buying is now the riskiest type of consumer fraud. I mentioned a lot of this in the book.

These are often on direct seller-to-buyer sites such as eBay, Craigslist and Facebook Marketplace. The obvious one is that nothing is delivered after payment. A less obvious one is when a scammer sends an “accidental” over-payment by fake check or M.O., then asks you to refund the difference.

Use a payment system that protects your purchase and privacy. Use the following tips when you’re exchanging goods and money with someone you don’t know.

Online

• Pay by credit card. Credit cards give you the legal right to reverse a payment for fraudulent charges
• Use a website that offers consumer protection. Some sites, such as Amazon or eBay offer refunds to buyers when purchases go wrong.
• PayPal. You may qualify for a reimbursement, including original shipping cost. PayPal also can act as an intermediary between buyer and seller, adding a layer of protection.
• Avoid alternative payment options. If asked to pay by gift card or by wiring money, don’t. It’s nearly impossible to get your money back if it’s fraud.

Face-to-Face

When making a purchase in person with a stranger, whether it begins online or not, here are a few simple rules to follow:

• Use a credit card. Some sellers may use a point-of-sale service like Square or GoPayment to accept credit card payments. Paying by credit card offers the most consumer protection. Don’t pay by personal check, as it exposes your bank account information.
• Find a safe place to make the exchange. Meet in a well-lit, well-trafficked public place, such as a coffee shop, bank, or shopping center.
• Try before you buy. Take a test drive or try out the item to determine it works. This is likely the only chance you have to decline faulty products.