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.
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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.
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:
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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.
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:
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.
If you see fraudulent activity on your account via your debit card, report it immediately. Contact your bank as soon as you notice the activity. You can also report it to the Canadian Anti-Fraud Centre. If you’ve been the victim of debit card fraud, see our guide on how to get a refund on a fraudulent transaction.
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 This means you can cancel a transaction before the money is withdrawn from your personal account.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.
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.
We show you the best prepaid credit cards in Canada, whether you’re looking for a prepaid card with no fees, cash back rewards, or travel perks, or more.
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