It is clear that in Spain e-commerce triumphs among users, however, the problem is that they do not always choose the safest to pay online. For this reason, you always have to be very careful about which one you use. One of the options most used by users is the card, but is it more secure? Here we leave you the main keys so that you can be clearer the next time you make an online purchase.
Benefits and drawbacks of each payment method
The online shopping They are here to stay, and more and more users prefer to place each of their orders online instead of physically going to a store. Although, here what really matters is knowing how to choose the payment method properly.
Main advantages
The first thing to take into account when choosing are the advantages to pay with PayPal and credit cards:
PayPal
- This service does not send information about your bank account or credit card to sellers.
- It has a platform with which acts as an intermediary. So if you have any problem, you can open a dispute, file a claim, etc.
- This payment method is one of the most widespread on the Internet[1].
- It is convenient and fast, you just have to have an account or credit card associated to pay or you can top up balance.
Credit cards
- It is a payment system It is accepted in practically all stores on-line.
- It is quite safe if precautions are taken.
- You don’t need to create an account to pay with the card.
- You can turn the card on and off from your bank’s app.
- Allows you to set a spending limit.
What is wrong with each option?
Once you have the different benefits of each alternative on the table, you must not forget the drawbacks of these two online payment methods, since there are also several.
by the side of PayPalbeing a service that acts as an intermediary, problems can always appear in which will have the last word. For example, if you open a dispute, you have to wait for me to resolve it. And if there is an open dispute, he withholds the money. Also, if you break their rules they can block your account.
In the case of the credit cards, the truth is that, if they are not used correctly, your bank details can end up in the wrong hands. Therefore, you always have to make the payment on an Internet page where the SSL security certificate appears. And here the problem is also that, if we use a device infected with malware, it could end up stealing the information of the card that we have just put in to pay.
Which is better?
Here you must also use common sense. If we are going to make an online purchase in a page that does not seem trustworthy First of all, it is best to use PayPal as a payment method. In this way, we can resort to the service if they try to scam us. On the other hand, if you are going to make the purchase on a well-known and secure website (with an SSL certificate), you can use your credit card without problems.
In addition, banks with new mandatory European payment regulations (PSD2 European Directive on Digital Payment Services) steps have been taken to improve card payments. Basically, users have to authorize the online purchase by accessing the bank’s application and entering a code that you will receive by SMS. Therefore, this second option is increasingly safer.
In any case, as we said before, you have to use logic and pay close attention to which web pages you are going to make a payment online.