Credit cards offer a convenient, secure paying option when shopping online, and the process of making purchases online is usually the same on most websites.
However, first of all, you need to make sure that your card is open for internet purchases. This guide outlines the step-by-step paying process, security features, and other factors that arise when you want to use a credit card for online purchases.
Check if the website is secure: Check that the website URL starts with the letters “https:” and there is usually an image of a small padlock in the upper left corner. Select your items: Add the items you want to buy to your shopping cart to shop.
Go to ”Pay”: In this section you will be asked which method you want to pay. You can choose from debit card, credit card, pay at the door or bank transfer options.
Enter your information: Enter your name, address, phone number and e-mail address. Some businesses require you to create an account on the site to complete a purchase. You can do this automatically by entering a username and password when making your first purchase. Choose a credit card as your paying method.
Provide your credit card information: Enter the cardholder name on the front of the card, the 16-digit card number, the expiration date and the 3-digit security code located on the back. Verify the pay.
Press the “confirm” button to complete your pay. Pay attention not to press the button more than once while waiting for the payment confirmation page to load, otherwise your card may be paid twice.
How to Ensure Security in Internet Shopping?
Visa and Mastercard have a number of October layers of security when using your credit card. If one of these services is active, you need to enter a one-time code that is sent to your mobile phone. Keep a copy of the pay confirmation. Most online stores will send you a receipt that you can save and print. These details will help you track your order and ensure that the correct amount is charged to your card.
The banks to which the credit card is linked have a number of security measures to protect your account from fraud when making online purchases. Many banks offer 24-hour fraud monitoring services that will contact you if there is suspicious account activity.
If the fraud monitoring service is unable to verify a transaction made on your account, it may temporarily block your account and conduct further investigations to ensure that your credit card is protected from unauthorized transactions. To make purchases on the Internet, you need to enter a one-time SMS code every time you use your credit card.
What Are the Other Online Pay Factors to Consider?
Keep these factors in mind to make your paying experience even more secure when shopping online.
Saved card information: Internet browsers such as Chrome, Firefox or Safari may ask you to save your information. While this is convenient, it means that your card information will be stored by a third-party service, which can be compromised if this account is breached.
Incognito mode: If you are using a public computer to make a purchase, use the incognito mode of the browser. This ensures that the computer does not save your personal information or internet history during your session.
Rejected payouts: Regardless of the reason, if your pay is rejected or a payment error message appears, the payout will not be processed by the bank. Your products can remain in your ”shopping cart” so that you can complete the purchase in the future.
Currency conversion fees: Most credit cards charge a commission of between 2 and 4 percent of the transaction when you make a purchase from a foreign merchant. Dec. If you regularly shop online with international retailers, you may want to consider a card with a 0 foreign transaction fee to save on this cost.
A credit card can provide you with almost everything you want on the Internet. It also offers security against fraud and unauthorized transactions. So, taking into account these facts and tips, you can make purchases on the Internet by credit card at any time.
Opening and Closing Your Card for Internet Purchases
Perhaps the easiest thing about shopping with a credit card on the Internet is to open your card for online shopping. When you receive your card for the first time, you can contact your bank and indicate that you want to use your card for online transactions. You can also do the same thing inside the close.
After receiving your verbal or written consent, your bank will complete the process of opening all credit cards registered in your name for internet shopping. In addition, you can also edit the amount of spending that can be made on the Internet with your card through the mobile application of your bank or through internet banking.
