Making secure payments online


When you shop online, you should make sure to use the most secure method of payment. If you do that, you may in some cases be able to get your money back if the seller does not deliver as promised or goes out of business, or if you cancel your purchase within the cooling-off period. You should also make sure that your personal data is protected and is not misused.

Only shop via a safe website, i.e. one that offers data protection. Otherwise, you risk being a victim of identity theft if you pass on personal data and your card number to the wrong people.

Always check the website’s data protection policy and be critical if you cannot find one. The data protection policy must describe which personal data the website sources from you, what the data is used for and who has access to it. Do not enter data if you do not know who the recipient is.

Further information: Avoiding fake websites

Check list for secure payments

  • The website should state the payment methods offered. This information should be available before you accept a purchase.
  • You should check that the website is secure before entering your card details. Look for the closed padlock icon () in the lower right-hand corner of the browser window. Also check that the web address (URL) begins with “https://”.
  • You should also check that you have in fact accessed the right website. Some fake websites have addresses that are very similar to well-known addresses. So a simple typing error could bring you to a fake website aimed at misusing your card details.
  • Finally, you should make sure to have an updated anti-virus program and a firewall installed on your computer to prevent hacking.

Your money can be transferred back to you

If you have paid by payment card online, you can get your money back via your card issuer if e.g.:

  • The seller withdraws a higher amount than agreed
  • The seller does not deliver the product
  • You have exercised your cancellation right before the product has been delivered

Your bank can only return your money if you have made a complaint to the seller first.

If you are in doubt as to whether your card issuer can transfer the money back in a specific case, you should always contact the card issuer to find out.

A payment card is the most secure method

In general, the most secure method of payment is by payment card where you enter the card number, expiry date and security code (also called card verification value, cvv). When you have paid by payment card and entered these details, your card issuer can transfer the money back to your account as stated above.

If you are in doubt as to whether your card issuer can transfer the money back in a specific case, you should always contact the card issuer to find out.

22. May 2015

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