The strictly digital goods market is developing dynamically. With the help of computers and smartphones, we pay online both for the products that postmen and couriers usually deliver to homes or parcel machines and for online applications, games, movies, series, music, books, comics, tickets, etc. In online stores, we can pay in many ways - by providing our card details, using virtual wallets, logging into your bank account, making a transfer yourself, or using other payment methods.
Habit Force is Not Always Beneficial
We usually pay online in the way we are most used to. We rarely feel like trying other payment methods for online purchases. However, it is worth checking what individual solutions offer us. Perhaps we are losing benefits that we are not even aware of.
Why Is It Worth Paying With a Card Online?
Using a debit, credit, or prepaid card when shopping online can be not only fast and convenient but also safe. We can pay with the card from any place, at any time. What's more, we can use it in online stores around the world, unlike other locally available payment methods, such as fast transfer.
We don't have to worry about payment security as the card details are kept in a safe environment. Each online store where you can pay by card must meet the highest security standards. Additional security is confirming each transaction with a one-time password sent by SMS or by push notification in our bank's mobile application. Online stores mark such transactions with the Verified by Visa stamp. This ensures that no one will execute the transaction on our behalf until it is approved by us. A chargeback is an additional type of security for online card transactions. It is a refund for the undelivered/non-conforming to the order goods or the service not as described. After the seller rejects our requests, we can start the Chargeback procedure at the bank that issued us the card. We do not have such protection when paying by bank transfer or in cash. It can be said that it is an additional, free "insurance" of our purchases.
Safety and Convenience Rolled Into One
More and more online stores offer the option to save your card details in their store. This is especially convenient when we often shop in a given store or by using the store's mobile application. This solution guarantees a number of benefits:
- We save the card details in the store only once - we make subsequent payments with one click.
- The card data is in an environment that meets the highest security standards.
- Online shopping in our favorite store becomes fast, convenient, and safe.
Prefer to enter your card details in one place and use them in different stores? Pay with a virtual wallet! For those who prefer to enter their card details in one place and use them in different stores, there is also another - a convenient solution. It is a virtual Visa Checkout wallet in which we enter the card details (or several of our cards) only once. Then we can pay online wherever this form of payment is available, using only the login and password. Importantly, Visa Checkout gives us the same privileges as when paying by card - if we do not receive the goods we paid for or the service is not provided, we can apply for a refund using the Chargeback procedure.
To keep secure your financial data from online fraud, install an advanced antivirus like total security software in your device, and update regularly.
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