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Is it Safe to Give an App My Credit Card Information?

by Uneeb Khan

Online mobile phone services like rideshares and food delivery services have seen a sharp elevation in online transaction apps. Many people use mobile payment applications like Paytm, PhonePe, Google Pay, PayPal, Amazon Pay, etc. Mobile payment applications require people to enter their credit card details to use their services. Many wonder if sharing their credit card details with mobile applications is safe. Several people think about the safety of their credit card information. In the case of credit cards, people can use a credit card app.

Security Perils

Although mobile applications might be secure and safe to use, specific safety problems can cost the safety of mobile applications. For instance, whenever people use public networks for doing sensitive tasks like bank transactions, hackers might hack the credit card details people provide for money transfers. People should avoid using public networks for activities like bank transactions, online shopping, and other tasks which require credit card details. Using public networks for activities that require credit card details can put data safety at risk, and criminals can access credit card information.

Charging devices in public charging stations can disclose credit card details to hackers. Hackers can upload malware into multiple charging points at several public stations, such as railway stations, airports, and alternate public places. If people use public charging stations for activities that require credit card details, they are putting their credit card information at risk. Using a wireless charger is the best option for security.

While downloading a mobile application, it is necessary to make sure that the mobile application is not a malignant application that can taint the mobile phone with malware and can result in leaked data. Before downloading a mobile application, every one of us needs to do proper research and ensure the legal authentication of the platform and the website we are using to download an application. It is significant to continuously update the software so everyone can access the existing safety measures accessible to protect the information.

Another security flaw to look for is not permitting applications to view information that mobile applications do not require. It is necessary to thoroughly read the rules and regulations before giving access to share data people are comfortable sharing. For example, if an application asks permission to access the contact list, do not permit the application to view the contact list.

In-application Security

The safety protocols of the Pharmacy Council of India called for security within the application instead of protections within a network like firewalls. In-application security aid to identify malware and secure data. If in-application security feels incursion, it can end the session and shut down a mobile application. In-application security can detect unusual activities and report them.

For mobile applications based on payments, every application must have a tool that lets users disable them, in the case of data exposure risk, by a network provider liable for the service provided. The Pharmacy Council of India’s safety protocols pinpoints that applications distributed via online application stores comprise specific controls to reassure the virtue of software and verify the sources of applications.

Safety Protocols for Applications

The payment sector has a union known as the Payment Card Industry Security Standards Council. The PCI SSC formulated universal safety protocols. The safety protocols are continuously amended to safeguard credit card details whenever people give credit card details to an application. According to PCI SSC safety protocols, application developers need to provide security. Unwarranted people can not read information stored on a device. End-to-end encryption is another security measure to ensure safety. The usage of a private key is sensitive and prohibits eavesdropping. Messaging applications like WhatsApp, Signal, Telegram, etc., use end-to-end encryption.


Well-known Credit Card App based on credit cards, like Ola, Uber, DoorDash, Lyft, Google Pay, etc., will ask users for credit card details for convenient use. Examining the safety protocols the Payment Card Industry developed for application safety, it is usually secure to give credit card details to mobile applications. Nonetheless, a person should search for safety flaws and be alert that people don’t compromise their data.

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