Secure While Paying Through Credit Card Online

In the modern days the online products purchases is one of the biggest convenience of Internet for everyone. You can purchase almost anything on the internet today using debit or credit card. It’s fast, convenient but not so secure as it seems to be. The scams and frauds have found so many ways to track your online purchases to get your credit card number.

Below discussed are some secure online shopping tips to be secure while paying through credit card online. For this post lets talk about online shopping and how to be safe using credit cards to do it. Feel free to share more tips about the subject on the comment box of this article below.

Secure Online Shopping Tips

PayPal

PayPal is probably the most widespread and most liked way to make online payments. It works both ways, you can pay and you can receive money with it. PayPal allows you to link your personal debit or credit so you don’t have to enter your card number or address everywhere you shop. Learn more about PayPal at www.paypal.com.

Virtual Credit Cards

Nowadays, pretty much every bank offers the virtual credit card service to their clients. Creating a disposable credit card is probably the most secure way to use credit cards online but like everything in life it has advantages and disadvantages that need to be considered.

On the up side we have:

• The possibility to make purchases online privately and anonymously
• No need to worry about security, credit card fraud and ID theft problems
• The prepaid nature of these cards makes it easier to monitor and control spending
• There is no credit limit or line of credit given so the user can’t run up credit card debts
• Accounts are easy to open (even for those with bad credit) and the cards can be quickly reloaded with cash as necessary
• They can be a good alternative for giving money or a gift card as a present.

and on the downside:

• They come with charges that can eat into the cash that is loaded on to the card
• They do not give the user a physical credit card and are therefore primarily targeted at online spending
• They may impose limits on how much can be loaded into the user account at any given time
• The user can only use them if they have sufficient funds on their card
• They may restrict the ways that cash can be transferred into an account
• You receive no statements, free credit check or reports with Virtual CC

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There’s a lot of competition going on with Prepaid Virtual Cards between banks and services providers like EntroPay, so the best thing to do is to look up and ask questions. If you already have a bank account you should really start by inquiring your account manager about solutions for online shopping.

Google Wallet

Google seems to be everywhere you look on the Internet and the online payment services are no exception. Google is ditching Google Checkout and is currently transitioning to Google Wallet. It’s going to be and in-store (through smartphones) and online payment method. Learn more about Google Wallet at: www.google.com/wallet/

Common mistakes that can be easily avoided while shopping online:

If you’re using a personal credit card, here’s some online secure online shopping tips you should really pay attention to:

• Do not purchase things from suspicious or mistrust websites without doing any research over the web
• Do not order a product, if it is unavailable in their stock but listed for purchase
• Never send your credit card details via email. There are certain fraudulent sites that search your email with keywords related to credit card transactions. Genuine websites will never ask to enter your card details in emails
• Do not enter your credit/debit card details in websites those are not secured or without the ‘HTTPS’
• Do not order products if you don’t like the websites’ privacy policy or shipping policy
• Never enter your card details in shared computers, e.g. the cyber cafe or workplace
• Don’t keep quiet if your credit card statement doesn’t match with your bank statement. If you see any doubtful transactions, ask your bank manager to deactivate your credit/ debit card
• Do not store your credit/debit card information anywhere (not even on very well known shopping websites), which would increase your risk of card details getting stolen
• Never go for sites those don’t use SSL encryption to protect customer data
• Do not shop online without registering your credit card with Online Fraud Protection, provided by credit card companies.

So, do you buy online? What methods do you use? Feel free to share your experiences and knowledge with us by commenting this article. If you’re feeling particularly generous then feel free to share your credit card number as well. Just kidding… or am I not?