Credit cards are arguably the most popular way to pay for products online. However, there are threats like MageCart attacks that make credit cards very risky to use, particularly when it comes to security.
But did you know that there are many other ways to pay for products and services online that are easier and safer than using your credit card? In this write-up, we will show you some of the most secure methods to safely pay online so you can have nothing to worry about when shopping online.
- Prepaid Cards
If you are buying from a shop that only takes debit cards or credit card, you should get a prepaid Visa card from the nearest drugstore, grocery store, or gas station. They are usually found near the checkout area.
When you use a prepaid Visa card and check out as a guest, your identity will be hidden, and your bank account will be kept out of reach. Prepaid cards are also preloaded. This means that you won’t be able to spend more than you have put on the card. The card can be reloaded via direct deposit from the bank, in stores, or through the Visa app. You can also choose branded gift cards if you are sure of where you want to shop from as this makes the transaction more discreet and safer.
- PayPal, Zelle and Venmo
PayPal simply acts as a middleman between the merchant and the buyer. Users can connect their credit card, debit card, or bank account and transfer their money in just a few clicks through PayPal’s website.
When you make a payment, the money passes through PayPal and then goes to the recipient. This means that in the event that you run into fraud, you will be able to file a dispute through PayPal so you can recover the money. It is not easy to run into fraud because your card information is usually kept private.
The PayPal and website are secure and encrypted. You will also won’t have to enter your payment card number each time you check out.
- Shop Pay
Anyone who has ever used Shopify definitely knows about Shop Pay. The built in payment system of the company protects your card when you purchase with merchants that use Shopify. To know that a merchants accepts Shop Pay, they will display its logo during checkout or on their store.
The Shop app was created by Shopify to a huge number of independent merchants in a single convenient app. There is no need to worry about your data or critical information being stolen when purchasing using the Shop app because your card information is already protected and encrypted.
- Use Mobile Payments
When shopping with your phone, you can use mobile payments. Smartphones manufacturers have also created secure payment systems that users can use online. Samsung Pay, Google Pay, and Apple Pay will come with your smartphone right out of the box. Users can start using it to securely scan their debit or credit card.