An accident on the bypass causes 10 kilometers of traffic jam on the A-7A woman paying with a card in a file image / Casimiro MorenoToday, the majority of the population has replaced payment in cash with payment by credit or debit card.This trend was even more accentuated during the pandemic, since it was recommended to pay by card in establishments.However, it seems that we are not fully aware of all the dangers involved in paying by card.We tend to trust each other and do not check if the website where we are buying is safe or if the amount that they are charging us with the dataphone is correct.Millions of people are scammed every year.For the Bank of Spain, one of the most effective ways to ensure that you are not being the victim of any fraud or theft is to say “yes” when they ask us “do you want a copy?”.In this way we can confirm that the amount of the operation is correct or that no extra charge has been applied that we are not aware of.Although in principle the banks are obliged to return the money when this type of scam occurs, there are exceptions:If our card is lost or stolen and it is used without our consent, we are responsible for the first 50 euros that are spent fraudulently until we notify the entity of the incident and request cancellation of the card.That is to say, if the amount that has been stolen from us is 150 euros, before canceling the card, the bank must return 100 euros, but in case of having notified the loss of the card to the bank and they carry out an operation later, the entity must return us the totality.But what happens if we are charged an amount that is not correct, either by mistake or by fraud?Well, that's where the warning from the Bank of Spain comes in.When a person makes a purchase, the most important thing is to verify that the amount that they are going to charge us is correct.That is why you have to pay attention to what it says on the screen of the point of sale terminal (POS) before approaching the means of payment or checking through the online signature that the amount or merchant is correct.And the Bank of Spain also recommends answering affirmatively when asked if you want a copy of the payment to make sure that the amount that appears on the ticket is correct.The 'copy' is the POS receipt that collects the details of the payment made.The Bank of Spain points out that it is convenient to make sure that you have been charged the appropriate amount before approaching the contactless card or the mobile phone with NFC technology to pay with the mobile phone.And ask for the copy later, in case you have to claim something.This becomes more important when taking into account that the current payment methods do not request to enter the PIN if the amount is less than 50 euros.