How sure are the online payments with Mastercard, Visa & Co?

Online shopping is convenient and in most cases it is much faster than the shopping tour in the shop. It is not surprising that more and more people buy in online stores and therefore also pay on the internet. But How sure the online payment is With credit cards such as Mastercard and Co.? These suggestions should consider consumers when online purchases in order to protect their sensitive bank details and avoid the most common errors.

1. How sure are the online payment methods?

Enter the data of the sender and receiver with a few clicks and the money is already sent. From Sofortüberweisung OR Paypal It also reaches the recipient a few seconds later. Online payments are the perfect payment method for modern times: fast and as simple as possible. But this comfort is not without any risk. Because if you pay online, you will send your money – with the exception of the payment method – Before the ordered goods were received. If incorrect goods or none are delivered, it is due to the customer getting back the money. There is also the risk that the Access data to online banks from scammers and criminal hackers And they are abused by unauthorized people. However, this risk is not the same with all online payment methods.

2. Payments with a credit cardN

Almost every shop on the internet offers online payment by credit card. In the United States, the number one payment method has long been, credit cards in Germany have less acceptance among consumers. The initial skepticism of credit cards is also slowly preparing among the Germans. According to a current study by Bundesbank, 37% of buyers already use a credit card for online payments. Mastercard and Visa belong to the main credit card providers. American Express (Amex) Try to win market shares. Diners Club It hardly plays a role in the Germans as a credit card company.

The credit card as a payment method works quickly for the consumer, especially if Credit card number already archived in the online store Ha. In the past, this has been problematic because the retailers databases are often hacked. If the criminal personal data, the addresses and credit cards numbers have been stolen, have been able to take a shopping tour. But the card suppliers checked. Today, the credit card number alone is no longer enough to pay with Mastercard or Visa. Suppliers introduced security mechanisms to protect card holders.

In addition to practical application, online payment by credit card is considered quite safe today. And it should become even safer: why From December 2020 they have to pay online payments through the so called Safe procedure 3-D. be managed. This is also a double identification Strong customer authentication called.

In addition to the normal bank details, in the safe process an tan, a digital imprint or another password is also required. If an unauthorized person reaches his secret data, as well as the credit card number and test figures, he cannot place orders with your credit card.

The main Mastercard credit card exhibitors (Control of the Mastercard identity) and seen (Verified by the visa) offer this security procedure for online payments for a long time.

Further advantages for payments with credit cards:

Depending on the provider and the paper model, credit card holders receive one when using the card BonusZb Reimbursement at some retailers, Discount During the supply of supplies or an insurance of cancellation of travel in the travel booking.

One of the greatest advantages of the use of Visa and Mastercard is that not only pay quickly, but also Receive a credit quickly Candies. For example, many gambling and online casino suppliers use this advantage to pay the players in case of profit.

2.1 Paypal

For rapid payments and credits is also Paypal known. Paypal is an American company that is a middle man among the retailers in which they want to shop and their banking switches. You have yours Connected a current account or a credit card with a PayPal account and deposited an e -mail address, this is needed Ed -mail address as your account number. With it you can send or receive money to friends and relatives for free or shop in an online store. If you are a retailer or want to take advantage of the protection of the buyer, a small tax for the respective transaction is due. The same goes for foreign currency transactions.

Paypal’s positive thing: you don’t have to issue your confidential bank data in every single shop on the Internet, but indicate it only in Paypal. They also said Protection of the buyerso that in case of fraud, like If the goods are not deliveredGet your money from the PayPal refund.

2.2 Amazon Pay

Similar to Paypal, Amazon Pay acts like third parties. Not many online stores still offer the payment method, but there are more and more. If you make one Payment via Amazon PayThe bank details are used in its normal Amazon-CONTO he filed. This method can also do without inserting the details of your bank in every single shop. In addition, here is also a sort of protection of the buyer. All payments made through Amazon Pay – both on Amazon himself and in an external shop – are subject to Amazon guarantee.

2.3 Apple pays

In many big online stores you can even now you can Pay via Apple Pay. For example a ZaraOr not surprisingly-AT Apple himself. This method uses a representative number once generated to be paid. This contains the bank details and transfers them encrypted to the retailer. Since this code is revised for each transaction, unauthorized people do nothing to intercept it. AS Your bank account remains and your protected credit card data. Apple also promises that the number of your card is not saved on your smartphone or Apple servers.

2.3 Google Pay

Google also offers a solution similar to Apple. These can owners of Android cell phones Or use devices with other operating systems. Also with Google Pay Once the key to the transaction are used, which submits the data of the encrypted bank. Contrary to Apple Pay, there is a small vulnerability here. So that you can also use Google Pay, if you don’t have a working internet connection, Google archives some single keys on your smartphone. The problem: with appropriate malware, these could be read by unauthorized and therefore purchased people.

4.2 How do I recover my money? Reimbursement of credit cards

If you were charged the money for your credit card unfairly, you can resume it from Visa, Mastercard and Amex using the so -called charging process. You can use this procedure to:

• Double debt
• Incorrect loads due to the deposit
• Fraud
• Flights canceled to reimburse the ticket price
• The failure of a company before having received your goods

5. The charging process

If too many money was charged by the account or if you have not received the ordered goods, you should first keep a fresh head. If it could simply be a mistake from the dealer, contact him and, if necessary, request your money back. The trader does not react At your request or refuse to meet her, contact your bank and ask that Forms of complaints A.

Fill in this and send it to the bank with all the relevant documents you have maintained.

After sending it it is checked if in this case Right to the charging process And if necessary, a backbook. In case of complaints, it is necessary to react as soon as possible to accelerate the process of use and increase the possibilities of receiving money. Since the accusations can be complicated and the more time you lose time, the more criminals run away with money.

If you determine that a stranger has made a transaction with your credit card, you should definitely block your account before requesting a complaint.

Summary:

• Contact dealers
• Request a complaint form
• If you access unauthorized people, get the account blocking

(42 votes, media: 4.40 out of 5)

Loading …