Payment by credit card on the Internet: how it is safe!

January 27, 2021 by No Comments

More and more people are buying and paying online with a credit card. So that there is no bad awakening, there are a few things to consider when using your credit card and the respective online shops. See for further editorial

Security is very important when paying by credit card


The credit card number is entered for payment, never the PIN. However, many online retailers ask for the three-digit card verification number, which is located on the back. This can ensure that the customer has the credit card.

In principle, your own computer should be regularly scanned for viruses so that the credit card data cannot be intercepted by a malware program when paying. It is also advisable to only pay with a credit card on a private computer, since the security of data on public computers can often not be guaranteed. When paying with a smartphone, you should also carry out a security check in advance. Theft of the credit card data can otherwise cost you dearly.

What should be considered with online shops and services?


For websites that are not located in Germany, you should also exercise caution, because in other countries the legal situation is often very different from here. Various quality seals and customer reviews play an important role when choosing the online shop. You should also take a look at the legal notice and the general terms and conditions. This also enables you to find out whether the online shop is serious.

What should be considered in your own behavior?


Never give out your credit card details via email or short message service. These could be so-called phishing e-mails, in which consumers are asked to transmit the credit card data.

You should delete such emails immediately. Online shops will never ask you for your credit card details by email. For security reasons, it is also not advisable to pass on your own credit card or PIN to friends or family members.

Another common mistake is to enter the PIN code on the Internet when paying by credit card. This is only required for verification for a payment in retail and at the ATM.

Is credit card payment secure?


The credit card stands out from other payment methods thanks to its flexibility. If you take these tips into account, you can pay with a clear conscience on the Internet, because security is high for you as a consumer. With a credit card you usually have buyer protection , so that you can get your money back if the paid service was not provided by the online retailer.

The reasons for this are different, for example if your ordered goods were not delivered. In this case, you must contact the bank to describe the facts. Once the fraud has been proven, the money will be refunded to you.



With no other means of payment than with a credit card, you can pay so flexibly and quickly. If you follow the important security precautions, you shouldn’t have any problems with credit card payments on the Internet, but you can look forward to simple, convenient and secure shopping.