Protect payment and account access
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The idea in everyday life
Set safer payment, credential, device, and transaction-monitoring rules before pressure arrives.
Payment methods and account controls determine how much recovery may be possible after a mistake.
One step at a time.
Use the sample or information you have permission to use. Keep your work as you go. You can pause between steps.
- 1
Write non-negotiable rules for unexpected payment, upfront job fees, overpayments, money transfers, account sharing, remote access, and verification codes.
- 2
Use unique passwords, strong multi-factor authentication, updated devices, alerts, account locks or limits, and minimal stored payment data where appropriate.
- 3
Compare card, bank transfer, payment app, cash, gift card, wire, check, and cryptocurrency protections before choosing a method.
See how it works.
Morgan enables app-based authentication and writes a rule never to share a one-time code with anyone who initiated contact.
Did you cover these?
- Your work includes written payment-safety rules, a checklist of account protections, a list of alerts, and a review of trusted devices.
- Check this common mistake: Assuming a payment app, cryptocurrency transaction, wire, gift card, or deposited check has the same dispute protection as a credit-card purchase.
- Your accounts have layered protection and your policy blocks common irreversible or unauthorized transaction requests.
What to finish
Written payment-safety rules, a checklist of account protections, a list of alerts, and a review of trusted devices.
Watch for this
Assuming a payment app, cryptocurrency transaction, wire, gift card, or deposited check has the same dispute protection as a credit-card purchase.
How can I tell I understand it?
Your accounts have layered protection and your policy blocks common irreversible or unauthorized transaction requests.
Quick knowledge check
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Answer all 3 questions above and get at least 2 right. You can review the explanations and try again.
Go to the knowledge checkOptional course overview video · same video as Lesson 1
My Action Plan to Avoid Scams
From Federal Trade Commission. Watch here or open it on YouTube .
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