How to use a debit card online

Pay for your purchases without stepping foot in a store, but understand the risks.

Using a debit card to pay online is a straightforward process as long as you’ve got the plastic handy and are comfortable making virtual transactions — though paying with a credit card may be safer.

How to use a debit card online

You’ll need to reference your physical debit card when using it to make a purchase online. After entering the digital shopping cart on the vendor’s website:

  1. Select your payment method. If “debit card” isn’t listed as a payment method, you can typically select “credit card” instead.
  2. Indicate the type of branded debit card you’ll be using, be it Mastercard or Visa debit.
  3. In some cases, you may be asked to enter your name as listed on the card. You’ll also need to include the billing address associated with your debit card.
  4. Enter the 16-digit number on the front of your card.
  5. Enter the expiration date listed below the 16-digit number.
  6. Flip your card over to find the CVV, which is a 3-digit number listed near your authorized signature. American Express cards have the CVV listed as 4 digits on the front of the card.
  7. Confirm your payment.
Debit card schema
1Debit card provider
216-digit card number
3Expiration date
4CVV

Do I have to use my full name when paying with a debit card online?

The name you enter should match your name as it appears on the debit card. Merchants use this to cross-check your information with the card provider’s records.

Is it safe to use a debit card online?

Using a debit card to pay online is generally safe as long as you have a secure connection. In 2019, online sales accounted for an estimated 9% of total retail sales in the Canada. Consequently, the safety infrastructure in place is growing stronger.

Here’s what you can do to verify security:

  • Check for the lock. There should be a lock icon in the upper-left corner of the search bar of your screen, next to the web address. This indicates that the site holds an SSL certificate and that the information you submit will be private.
  • Monitor your account. After making a debit card purchase online, review your account for suspicious activity.
  • Ensure a secure Internet connection. Best practice is to only make online payments when you’re on a secure and private internet connection, such as a home network. Public Wi-Fi at airports or coffee shops aren’t as safe.

Keep in mind that there are always risks associated with making debit card payments, and it’s likely easier for thieves to intercept your information online than in person. If hackers do get access to your debit card information, they could steal funds from your chequing account.

Paying via credit card vs. debit card online

In general, it’s less risky to use a credit card for everyday purchases because credit cards aren’t linked directly to your bank account. This means you can cancel a transaction before the money is withdrawn from your personal account.

Credit card companies tend to be more lenient with fraudulent transactions, with some providers offering zero-liability for their card holders meaning that you aren’t responsible for fraudulent activity if someone steals your card information. Some credit card providers also offer extended warranties on purchases.

If using a debit card is your only option to make a payment online, make sure you’re comfortable with the risks associated.

Compare accounts with debit cards

Name Product Interest Rate Account Fee Debit Transactions Interac e-Transfer Transactions
Scotiabank Student Banking Advantage Plan
0%
$0
unlimited
unlimited
Sign up today and get up to 5,000 SCENE or Scotia Rewards Points. Terms apply. Apply by July 31, 2020.
Scotiabank Preferred Package
0%
$15.95 per month ($0 if requirements met)
unlimited
unlimited
Earn $300 cash when you open a new Scotiabank Preferred Package. Terms apply. Apply by July 30, 2020.
Wealthsimple Cash
0.9%
$0
unlimited
unlimited
Earn 0.90% on any money you invest and withdraw your funds at any time.
Scotiabank Basic Bank Account
0%
$3.95 per month
12 free per month
2 free per month
With a low monthly account fee, you can choose between earning points toward the SCENE or Scotia Rewards reward programs.
Scotiabank Ultimate Package
0%
$30.95 per month ($0 if requirements met)
unlimited
unlimited
Earn $300 cash when you open a new Scotiabank Ultimate Package. Terms apply. Apply by July 30, 2020.
Scotiabank Basic Plus Bank Account
0%
$10.95 per month ($0 if requirements met)
25 free per month
10 free per month
Pay no monthly account fee by maintaining a minimum daily closing balance of $3,000 for the entire month.
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Compare up to 4 providers

Name Product Interest Rate Promotional Interest Rate Min. Bal / Min. Deposit Account Fee
Tangerine Savings Account
0.25%
2.5%
$0 / $0
$0
Earn 2.50% interest for 5 months (up to a maximum of $1,000,000) as a new Tangerine client. Offer expires October 31, 2020.
EQ Bank Savings Plus Account
2.00%
N/A
$0 / $0
$0
Enjoy zero everyday banking fees, free transactions and no minimum balance with an EQ Bank Savings Plus Account.
Wealthsimple Cash
0.90%
N/A
$0 / $0
$0
Earn 0.90% on any money you invest and withdraw your funds at any time.
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Compare up to 4 providers

Bottom line

Using a debit card is convenient and generally safe, although not risk-free. If you’d rather use a credit card, find a provider that offers perks and rewards that work best for you.

Frequently asked questions about using a debit card online

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