For the most part,  conducting business transactions online with individuals is not a problem.  You negotiate the sale or purchase of goods or services,  monies are transferred via one of the online payment processors such as PayPal or Stormpay and the goods or services are delivered as agreed.

But there’s always that chance that you’ll perform a service or agree to purchase goods at an auction and get the short end.

Ever have a really good deal gone bad - and get that feeling you’ve just been screwed?  Can’t get someone to pay up?  High bidder in an auction and the seller refuses to honor your bid?

Enter an online design contest only to find out it’s also being held elsewhere or have the contest holder withdraw the prize money because they don’t like the submissions?  Or even worse,  they use your winning entry and refuse to pay?

Guess what?

You’ve just been BuzzNicked