Digital payments are transactions made through electronic systems, such as cards, digital wallets, or online transfers. They work via technology that encrypts and transmits payment data securely between the buyer, the seller, and financial institutions.

Security is guaranteed through multiple layers of technology, such as SSL encryption, two-factor authentication (2FA), and fraud detection systems. These measures protect sensitive information throughout the entire transaction.

The most common standard is TLS (Transport Layer Security) encryption, which creates a secure channel for data transmission. Additionally, many systems use tokenization, which replaces card data with a unique identifier that is useless to third parties.

Yes, digital wallets typically incorporate high levels of security, such as biometrics (fingerprint, facial recognition) and PINs. They store payment information in an encrypted form and do not share the actual card data with merchants.

Immediately contact your bank or card issuer to block the payment method and report the suspicious activity. It is also advisable to change the passwords for your associated accounts and review the status of your other transactions.

Systems are evolving by integrating technologies such as artificial intelligence for fraud pattern analysis, behavioral biometrics, and more robust security standards like PSD2 in Europe, which requires strong customer authentication.