Credit card for online purchases.
The credit card has now become a permanent fixture among online payment methods. In many shops it is the only way to make a payment. Reason enough to look for a credit card that is particularly suitable for online shopping. see http://www.jazilek.com/2019/12/14/no-credit-check-title-loans-online-title-loans-no-inspection-find-out-more/ for more notes
Play it safe from the start: prepaid credit cards
Prepaid cards work just like other credit cards in daily payments as well as online. They differ only in one important characteristic: they do not have a credit line.
As a result, only money that was previously deposited into the credit card’s credit account can be spent. This not only protects the owner from unintentional debts, but also in the event of misuse. Because even the perpetrators cannot withdraw more money from the credit card account than was previously transferred by the owner. For safety’s sake, many users only charge the card if they really need it in the foreseeable future. If an “empty” card falls into the hands of a third party, they cannot do anything with it.
However, loading such credit cards is extremely easy for their owners. The desired amount is transferred from one account to the other via online banking. If the current account and card account still belong to the same institute, the process is quicker and the money can be transferred to the prepaid credit card within a few minutes or even seconds. This means that spontaneous purchases can also be made quickly on the Internet.
Comparison of prepaid credit cards
Important comparison features for prepaid credit cards are annual fees and other usage-related fees, such as those that may arise when withdrawing from an ATM. If you only want to use your card to pay online, you should first of all pay attention to the annual basic fees.
For pure online use there are now virtual credit cards such as B. The Mywirecard from MasterCard, which is available from 0 euros. The advantage: Virtual credit cards are available immediately after application. Of course, a physical plastic card can also be sent on request.
The new security standard for online purchases: 3-D Secure
In cooperation with several banks, Mastercard and Visa offer the 3-D Secure service . The process is also known as ” MasterCard SecureCode ” and ” Verified by Visa “, depending on which provider you currently own a card from. This procedure was developed to enable even more security when paying for cards online. The most important component here is a special application that ensures that only the owner can pay online with his credit card and no one else.
In order to be able to use the procedure, it must first be activated at the bank or the credit card provider. Here, customers can decide whether they want to use the app or another method for the so-called S-ID check. It is also important that the dealer also takes part in this process.
The online shop sends a request to the bank during the payment process. This then opens an input window in the browser and informs the user about how the payment must be released. The dealer has no access to the data entered by the customer. After a correct entry, the system confirms that the user is also the cardholder, whereupon the payment is released. In the event of an incorrect entry, the payment process will be canceled.
Card payment on the Internet: what else needs to be considered?
If you want to make online purchases via PC or tablet, you should always keep your computer at a high level of security. A virus program is the minimum required. Additional software against malware and other malware is recommended. Most viruses and Trojans reach the computer via spam mails with attachments.
The following applies here: Do not open an attachment unless you are 100% sure of knowing who it is from and whether it is safe to open it.
In addition, you should only buy from reputable, well-known dealers. If an online shop does not sound very trustworthy, you should first look for more information (e.g. in the form of testimonials). A secure connection must also be ensured. This can be checked using the address bar.If there is ever an unauthorized debit from the credit card account, this can and should be objected to immediately. The bank statements should therefore be checked regularly in order to detect unjustified debits at an early stage.