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As consumers enjoy the holiday shopping season, the has joined the (IPA), the (ATPC) and to share best practices for retailers and shoppers to reduce the risk of scams and fraudulent activity. This collaboration reflects the dedication of Georgia's payments industry, which earned the nickname "Transaction Alley" due to the number of payment processing companies based in the state, to protecting consumers from fraud.

"We're proud to work with our partners in the payment-processing industry to protect Georgia consumers and retailers from cyberfraud and scams," said Georgia Attorney General Chris Carr. "With the holiday season approaching, we encourage Georgians to take the necessary precautions to safeguard their personal and financial information, particularly as they're making purchases online. We want to ensure your hard-earned dollars are kept safe, and Georgia's employers are positioned to thrive."

Scams: How to Identify & Avoid Them

The Georgia Attorney General's Consumer Protection Division offers resources to help shoppers understand when a scammer may have contacted them in an attempt to fraudulently obtain money or products. Common characteristics that consumers should watch for include:

1. Being asked to pay money in order to receive a prize.

2. Being pressured to act immediately.

3. Use of scare tactics, such as claiming a loved one is in danger, that a consumer's computer has been hacked, or threatening arrest if they don't act now.

4. Insistence to pay via gift cards, prepaid cards, wire transfer or cryptocurrency (e.g. Bitcoin).

5. Get-rich-quick and other promises that sound too good to be true.

6. Promises to recover money lost in other scams, for a fee.

If a consumer becomes aware of a scam, they should contact the appropriate financial provider, money transfer company or gift card provider immediately for the best chance of minimizing any damage. Consumers can learn more by .

Safe Online Shopping Tips

Fraudsters can also target holiday shoppers looking for deals on e-commerce websites. Industry associations encourage consumers to exercise caution before clicking links or visiting websites to make a purchase. Tips to follow for safe online shopping include:

1. Sticking to reputable sites.

2. Checking websites before entering any information to ensure a secure connection (i.e. an HTTPS at the beginning of page addresses) and correct spellings of page URLs.

3. Completing purchases as a "guest" to avoid storing information or card numbers on websites.

"Fraud and scams are a threat to consumers and businesses alike every holiday season," said Briant Tate, President and 好色TV of the IPA