How to safely use a credit card for online purchases | finder.com
How to safely use a credit card to pay for online purchases

How to safely use a credit card to pay for online purchases

Some tips every online shopper should know when paying with plastic.

If you’re shopping online, odds are good you’re using a credit card — unless you’ve figured out how to teleport cash (if so, tell us!). Credit cards provide a convenient, secure payment option and the process for making online purchases are typically the same for most websites.

This guide outlines the payment process step-by-step, security features and other factors that come up when you want to use a credit card for online purchases.

How to pay online with a credit card

  • Check the website is secure. Two security signs to look for: check that the website URL starts with the letters “https:” and has an image of a small padlock, usually in the top left-hand corner.
  • Select your item(s). Add items to your basket and either go to the checkout to pay or keep shopping.
  • Go to the “checkout”. When you’re ready to pay, look for the shopping icon which is often in the top right-hand corner of the web page. This is the checkout page where you’ll provide all your billing details.
  • Enter your details. Enter your name, address, contact telephone numbers and email address. Some businesses ask you to create an account when you complete a purchase. In most cases you can do this automatically when you make your first purchase by entering a username and password when prompted. You must enter information in all spaces marked with an asterisk.
  • Choose “credit card” as your payment method. You will be prompted to choose how you want to pay. Other options could include debit card, PayPal and bank transfers. You may also be required to select whether you have a Visa, Mastercard or American Express credit card.
  • Provide your credit card details. Enter the name on the front of the card, the 16-digit card number, the expiration and the three-digit security code found on the back.
  • Confirm the payment. Press the “confirm” button to submit your payment. Remember not to hit the button more than once while you’re waiting for the payment confirmation page to load, otherwise you may end up getting charged twice.
  • Extra security measures. Verified by Visa, Mastercard SecureCode and American Express’s Safekey are additional layers of security you can register for when using your credit card. If one of these services is active, you’ll need to enter a one-time code sent to your mobile phone.
  • Keep a copy of the payment confirmation. Most online stores will email you a receipt you can save and print. These details will help you track your order and ensure the correct amount is charged to your card.

Credit card security features for online shopping

secured onlineCredit card companies have a range of security measures to protect your account from fraud when you shop online.

  • Fraud-monitoring services

Many credit card companies provide 24-hour fraud-monitoring services that monitor activity on your account and contact you if they see something suspicious.

If a fraud-monitoring service can’t verify a transaction that’s been made on your account, it will be able to temporarily block your account and investigate further to ensure your credit card is protected against unauthorized transactions.

  • One-time passwords

You may have already been pre-enrolled in Verified by Visa, Mastercard SecureCode and American Express Safekey. You need to enter a one-time SMS or email code each time you use your credit card to shop online.

Note that an online merchant must have registered with the program for the service to work.

  • Zero liability guarantees

American Express, Mastercard and Visa provide zero liability guarantees to cover you for fraudulent credit card use in-store, over the phone and online. Note that these liability guarantees do not cover cash advance fraud.

If you’re the victim of credit card fraud, contact your credit card provider immediately to dispute the transaction.

Other factors to consider

Keep these situations in mind when you shop online so you know how to handle them if they ever arise.

  • Saving your card details. Internet browsers such as Chrome, Firefox or Safari may prompt you to save your details. While this can be a convenient option, it also means your card information will be stored by a third-party service and could be compromised if that account is ever hacked.
  • Declined payments. For whatever reason, if your payment is declined or a payment error message appears, the transaction will not be processed. Your items may remain in your “shopping cart” so you can complete the purchase in the future.
  • Currency conversion fees. Most credit cards apply a fee of 2-4% of the transaction when you make a purchase from an overseas merchant. If you regularly shop with international retailers online, you may want to consider a card with $0 foreign transaction fees to save money on this cost.

A credit card can get you almost anything you want on the Internet. It also offers security against fraud and unauthorized transactions. So with these facts and tips in mind, you can now make credit card purchases online any time you want.

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Compare credit cards

Rates last updated April 20th, 2018
Name Product APR for Purchases ( Purchase Rate ) Intro APR for Balance Transfer Annual fee Product Description
Deserve® Classic Card
Deserve® Classic Card
24.24% variable
$39
Designed to help build credit history with no deposit required and access to benefits.
Luxury Card Mastercard® Titanium Card™
16.49% variable
0% Intro APR for for the first 15 billing cycles (with whichever is greater: $5 or 3% balance transfer fee)
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
Indigo® Platinum Mastercard® Credit Card
23.9% variable
$75 annual fee for the first year ($0 to $99 thereafter)
With this card you get a 23.9% variable APR.
Barclaycard Ring™ Mastercard®
10.49% variable
$0
A low, variable APR on purchases, balance transfers and cash advances.
Barclaycard Arrival Plus® World Elite Mastercard®
17.24%, 21.24% or 24.24% variable
0% Intro APR for 12 months (with whichever is greater: $5 or 3% balance transfer fee)
$0 annual fee for the first year ($89 thereafter)
Enjoy 40000
bonus miles after you spend on purchases in the first 90 days — that's enough to redeem for a $400 travel statement credit toward an eligible travel purchase.
Credit One Bank® Visa® with Free Credit Score Tracking
19.15% - 25.24% Variable
$0 to $75 first year annual fee for the first year ($0 to $99 thereafter)
Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
Credit One Bank® Unsecured Platinum Visa®
19.15% - 25.24% variable
$0 to $75 first year annual fee for the first year ($0 to $99 thereafter)
Give your credit a boost with credit line increase opportunities, a fee may apply.
The First Access VISA® Credit Card
29.99% variable
$75.00 for first year. After that, $48.00 annually.
Access credit even if you have poor or limited credit history.
Simmons Bank Visa® Platinum
9.50% variable
$0
The Simmons Bank Visa® Platinum Card offers multiple perks, including one of the lowest available APRs on the market.
Credit One Bank® Unsecured Visa® with Free Credit Score Tracking
19.15% - 25.24% variable
$0 to $75 first year annual fee for the first year ($0 to $99 thereafter)
Get 1% cash back rewards on eligible purchase, terms apply.
Simmons Bank Visa® Platinum Rewards
11.50% variable
$0
Excellent Credit Required - Applicants that do not have excellent credit will not be approved

Compare up to 4 providers

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Kyle Morgan

Kyle Morgan is a writer and editor for finder.com who has worked for the USA Today network and Relix magazine, among other publications. He can be found writing about everything from the latest car loan stats to tips on saving money when traveling overseas. He lives in Asbury Park, where he loves exploring new places and sipping on hoppy beer. Oh, and he doesn't discriminate against buffalo wings — grilled or fried are just fine.

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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.24
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.49
variable

Annual fee

0 For the first year
More info
The First Access VISA® Credit Card
The First Access VISA® Credit Card

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info
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