Innomerc Learn
English is the default.
A worked example

Where do your card details go?

One exchange at a time. Read what changes, then explain it in your own words before moving on.

  1. Meet the components
  2. Follow the steps
  3. Compare an example
  4. Check your understanding
Interactive Lab

Where do your card details go?

Compare an unexpected request with a payment you chose. All details are fictional; never enter real payment information here.

Steps1. Refund claim 2. Card photo 3. Payment attempt
Click a box or choose its name to learn what it means.
YouReadyUnknown callerReadyVerifiedcheckoutReadyYour bankReadyYouReadyUnknown callerReadyVerifiedcheckoutReadyYour bankReady
Ready to traceUnexpected caller
Before you start · 3 stepsUnexpected caller

A refund story can conceal an attempt to obtain payment information.

How to use this example

Select Next step to read at your own pace, or Animate step to watch one exchange. Nothing advances until you choose.

Inspect components & read every step
  • You

    The person making the decision in this fictional example.

    Example: You decide whether to share information, approve a request or check it first.

  • Unknown caller

    Someone contacting you whose identity you have not independently checked. A familiar name on the screen is not proof of who is calling.

    Example: A caller says they are from your bank and asks for a photo of your card. End the call and use a contact route you already trust.

  • Verified checkout

    The payment process for a purchase you deliberately chose through a merchant you checked. A padlock alone does not prove a seller is honest.

    Example: You open a known shop yourself and pay for the item you selected. This differs from sending a card photo to a caller.

  • Your bank

    The institution that manages your account or issued your card. Contact it using its official app or a known number.

    Example: If you shared card details, contact the issuer promptly to discuss blocking the card and reviewing transactions.

Unexpected caller

A refund story can conceal an attempt to obtain payment information.

  1. Unknown caller You: Refund claim. An unknown caller requests a photo of your card.
  2. You Unknown caller: Card photo. Sending both sides exposes payment details to the caller.
  3. Unknown caller Your bank: Payment attempt. The caller may attempt a payment; additional checks vary.

Purchase you chose

Only submit necessary payment details through a verified checkout for an intended purchase.

  1. You Verified checkout: Chosen purchase. You checked the seller and chose this purchase.
  2. Verified checkout Your bank: Payment request. The payment provider routes an authorization request to the issuer.
  3. Your bank You: Check details. If challenged, read the bank’s stated amount, payee and action.
  4. You Your bank: Your decision. Approve only an action you started and understand.
  5. Your bank Verified checkout: Payment result. The issuer returns a result; the seller’s honesty is a separate matter.

Already shared details

Contact the actual issuer promptly; a card lock and recovery options depend on the provider.

  1. You Your bank: Report exposure. Use the official app or number on your card, not the caller’s number.
  2. Your bank You: Protect + review. Discuss locking, replacement and any transactions needing review.
  3. You Your bank: Activity checked. Provide transaction references through the verified support route.

Fictional teaching trace. One moving dot represents an exchange, not a measured network capture.