Secure payment on the Internet: which means to favor? : Current Woman The MAG


Communicating your banking information to a merchant site is not always without risk. Moreover, all the actions that we carry out on the Internet present risks. This is why you have to be extra careful when sharing your personal data on the web. As far as purchases are concerned, it is more and more difficult these days to bypass payment by credit card. Difficult, but not impossible. Here are 4 secure alternatives to pay for your online purchases with complete peace of mind.

Pay for purchases with an e-credit card

You are familiar with the traditional credit card and you probably have one at the same time. Know that there is its digital counterpart, called an e-credit card, and which works as a password generator but banking. This system should be set up with your bank if it has the option. You must then download an application or connect to a specialized site. The latter automatically generates an ephemeral e-credit card number which, although linked to your account, is not your usual card number. It is only digital and valid for a short period, the time to conclude a transaction for example. If the money is properly debited from your account, a possible phishing attempt will not be successful since at no time did you have to enter your card number, or even your CVV code.

Pay for purchases with PayPal

If entering your bank details online scares you and your bank does not offer the e-credit card, there are other solutions. 100% free and reliable, PayPal is a platform that allows you to pay for purchases securely without ever communicating your card information to anyone. To use the service, all you have to do is create an account on the platform. During your registration, you will have to enter your account number or that of your bank card. But be aware that it will be protected and not disclosed to merchant sites if you decide to pay through PayPal. The platform acts as a direct gateway between your account and the merchant site to avoid having to provide your personal data yourself, particularly if the site does not appear to be reliable.

Pay online with Paylib

More recent, Paylib is a payment system similar to PayPal. It performs the transactions for you, and saves you from providing your banking information directly on the net. The notable difference after the previous one is that Paylib is a service offered by several banks to secure and facilitate online and in-store purchases, or even money lending between relatives. You can access it without needing to download anything, simply by logging into your bank’s app. Your establishment may not be one of the partners, but Paylib has an agreement with the main French organizations (BNP Paribas, Société Générale, Crédit Mutuel, La Banque Postale, CIC, etc.). If you have any doubts, do not hesitate to contact your bank.

Read also :

⋙ Prepaid credit card: how to use it well?

⋙ Is it risky to register your bank card on a website?

⋙ Phishing: beware of personal data you share on the Internet