Are online payment methods secure?

It is clear that online shopping is becoming more and more widespread among all of us. It saves us from having to travel to go shopping and we can do it at any time and moment of the day, whether it is near or on the other side of the world. How safe is it to pay via the Internet?

 

In general, online payment is very secure. Its security has improved a lot since its use became widespread. The need to offer security to buyers led to a lot of resources being invested to implement improved web security systems, and the result is that nowadays, buying a product over the Internet is as secure as or more secure than buying it in a physical store.

This security also depends, to a great extent, on the caution of the user himself. Some recommendations in this regard may be from having a good antivirus on the computer, to check security protocols and data encryption, or even buy in known or trusted places.

For users less experienced in online shopping there are several payment methods that provide added security, making the risk of buying online virtually zero. The most important thing in online sales is that the buyer can have the guarantee that no one can, as a result of a particular transaction, impersonate his personality in the future by making other purchases in his name and at his expense. There are several ways to pay for online purchases with added security:

  • Payments with the PayPal system. PayPal is one of the most popular and secure platforms for making transactions. It is not only useful for making purchases, it can also be used to make money transactions between individuals. This platform acts as an electronic intermediary through the user’s credit or debit card, with the objective of ensuring confidentiality, both for the seller and the buyer, and offering the guarantee that the commercial transaction is carried out satisfactorily. This platform has the advantage that if the customer has any problem or does not receive the purchased item in the proper conditions, a claim can be made, which will initiate an investigation by the Paypal platform, which in most cases will end up giving the buyer the reason and returning the amount of the purchase.
  • Cash on delivery payments. This system has been used for a long time in purchases that do not necessarily have to be online, although it is not very widespread in online shopping. It is the only means of payment used in e-commerce that involves the use of cash. By doing so, the only information the buyer has to provide to the seller is his personal data and postal address. It has the disadvantage that the buyer has to be present when the shipment arrives to make the corresponding payment, unless a notification arrives to pick up the item later at a delivery office. This system guarantees delivery of the item at the time of payment. From the seller’s point of view, this means of payment entails a delay in collecting the money for the item sold, and the need for physical collection of the money by the person making the delivery.
  • Charges on bank account. Some platforms offer this type of payment, but it is not widely used in online commerce. In this case you buy what you need online and give your bank details, nowadays it is usually the IBAN number, and the seller makes the charge directly to the current account provided. It is usually used for periodic charges or subscriptions.
  • Debit or credit cards. Debit or credit cards are the most popular means used in e-commerce. For the buyer it means, in the case of using his debit card, the immediate payment at the moment of making the transaction, or in the case of using his credit card, his deferred payment for the end, or in the surroundings, of the end of the month. For the seller, this means quick payment in exchange for a small commission deducted by the drawer’s bank from the amount to be charged for the sale of the item.
  • Pay later. Some Internet platforms, in collaboration with financial institutions, advance the money for the purchase, which will be charged in monthly installments, generally charged to the debit or credit card, during the term chosen. These services act as intermediaries between the seller and the user and therefore no sensitive information is shared with third parties.
  • Exclusive accounts linked to debit cards. This option is one of the safest that the buyer can use to protect his bank accounts. The user has to ask his bank for an exclusive account to make online purchases and request a debit card associated with this account. The buyer, every time he wants to purchase a product, will have to transfer the amount to be paid to the online seller, to this exclusive account, and then pay using the card linked to where he wants to make the online purchase. In this way, the user can be sure that, even if his card data is compromised, the bank account to which it is associated does not have a balance to make the corresponding payment.

11Onze is becoming a phenomenon as the first Fintech community in Catalonia. Now, it releases the first version of El Canut, the super app of 11Onze, for Android and Apple. El Canut, the first universal account can be opened in Catalan territory.

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  1. Daniela SimónDaniela Simón says:
  2. Rosa Maria SoléRosa Maria Solé says:
    Rosa Maria

    La que més m’ agradat és l’última que es vincula amb una targeta només per fer compres, però hi han bancs que no ho tenen.

    • Jordi CollJordi Coll says:
      Jordi

      Pot ser, però quan un treu una novetat al cap de poc temps acaba per tenir-ho també la competència. Moltes gràcies pel teu comentari, Rosa!!!

      9 months ago
  3. Pere SorianoPere Soriano says:
    Pere

    Bona informació. Sempre hem de saber que fem i com ho fem. El coneixement ens dona seguretat. Gràcies.

  4. Manuel Bullich BuenoManuel Bullich Bueno says:
    Manel

    Molt bones recomanacions.
    Jo per les subscripcions i algunes compres virtuals faig servir PayPal q la tinc vinculada a la tarja virtual d’11Onze per la resta utilitzo la vostra tarjeta física.
    Salut

  5. Mercè ComasMercè Comas says:
    Mercè

    Bones explicacions i consells per les compres online, que cal tenir en compte.
    Hi ha un altre tema. Quan algú s´apropia de les dades d´una targeta física, sense haver-la perdut. O sigui, que l´han copiada (com, venda de dades?) i les fan servir per fer compres online. Aquest estiu la policia d´una zona turística va comentar a una persona que ho patit que han augmentat molt les denúncies, superant les ” estirades de bossa”. Els bancs tenen una assegurança per cobrir l´import estafat, però en el cas de la persona que esmento no li ha cobert tot. Diuen que és culpa de la companyia d´assegurances, reclama però no se´n surt

    • Jordi CollJordi Coll says:
      Jordi

      Doncs vaja… Esperem que se’n surti i li tornin tots els diners robats o estafats. Moltes gràcies pel teu comentari, Mercè!!!

      9 months ago
  6. Francesc Estafanell PujolFrancesc Estafanell Pujol says:
    Francesc

    Bones recomanacions per les compres online.

  7. Pere Maria EstremPere Maria Estrem says:
    Pere Maria

    Aclaridor

  8. CAROLINA RODERO ORPINELLCAROLINA RODERO ORPINELL says:
    CAROLINA

    Gràcies molt aclaridor.

  9. Manel LopezManel Lopez says:
    • Jennifer Roca Civit says:

      Benvingut Manel, ens fa contents que el trobis interessant. Ens veiem per la Plaça!

      10 months ago
  10. Alejandro TenAlejandro Ten says:
    Alexandre

    Hola. Fa temps que segueixo les novetats, Tinc un dubte. Sóc autònom i treballo a distància i sempre en línia. Ho tinc tot domiciliat. Si em passés a aquest banc. Em traspassaríeu les domiciliacions automàticament des de Bankia, o ho haig de fer a mà??

    Gràcies.

    • AlbertAlbert says:
      Albert

      Alejandro; de moment, aquest compte d’11Onze és un compte de pagaments i no admet domiciliacions de rebuts. Pròximament, sortiran nous productes i serveis amb què sí que serà possible aquesta opció.
      Gràcies per plantejar-ho i per fer-nos confiança!

      9 months ago
  11. Joan Santacruz CarlúsJoan Santacruz Carlús says:
  12. Manel Miquel MartinezManel Miquel Martinez says:
    Manel Miquel

    Personalment per pagamets a través de la web la meva preferida el la de prepagament meig les pàgines de “molta”confiança que javors mes igual una targeta o una altra.

  13. Meritxell CornudellaMeritxell Cornudella says:
    Meritxell

    Hola, tinc una consulta. En general una persona fa servir només una manera de pagament en línia o ho canvia segons sigui roba, alimentació, vols, viatges…?

    • Jordi Oller says:

      Bona tarda, Meritxell, pots tenir més d’una forma de pagament, tot depèn d’amb quina plataforma treballi la pàgina amb la qual fas el pagament o de si o pagues amb la teva targeta, virtual o física. Espero haver-te respost ens veiem a La Plaça.

      12 months ago
  14. Carme Marin benedictoCarme Marin benedicto says:
  15. Ramon PuigRamon Puig says:
    Ramon

    Aquesta opció la trobo molt correcta i segura, comptes exclusius vinculats a targetes de dèbit que podem carregar amb la quantitat exacta per fer el pagament.

    • David LópezDavid López says:
      David

      Potser també és una de les maneres més populars a l’hora de fer pagament en línia Ramon.
      Tot i que dia a dia, la seguretat per comprar a internet millora, cada vegada serà més comú i més segur.

      1 year ago
  16. Carles MarsalCarles Marsal says:
    Carles

    M’ha agradat molt aquest punt (Comptes exclusius vinculats a targetes de dèbit). Això ho tindrem a 11onze?

    • Laura Bunyol BartrinaLaura Bunyol Bartrina says:
      Laura

      Hola, Carles! La seguretat a 11 onze és el més important. Tindrem molt pròximament els productes preparats per oferir. Pots consultar tots els productes que oferirà el banc a la pàgina web https://www.11onze.cat/producte
      Podràs fer tot el que fas normalment amb el teu banc: domiciliar la teva nòmina, els teus rebuts, fer transferències, estalviar, tenir la teva targeta de dèbit, de crèdit…
      Espero que t’hagi ajudat el comentari. Salut i fins aviat!

      1 year ago
  17. alicia Coiduras Charlesalicia Coiduras Charles says:
    alicia

    . M’he assabentat de maneres desconegudes per a mi, però sobre tot de la inseguretat o seguretat de les compres en linia
    Gràcies

    • LelsLels says:
      Lels

      Que bé, Alícia! Ens alegra poder col·laborar en el coneixement d’eines de pagament segur en línia a la nostra comunitat, gràcies per formar part de la Plaça!

      1 year ago
  18. Josep CanudasJosep Canudas says:
    Josep

    Jo, faig compres per internet amb una tarjeta de recarga, i de momento mai i tingut cap problema

    • David LópezDavid López says:
      David

      Correcte Josep, tot i que hi ha altres maneres, com bé diu l’article.
      Potser aquesta és una de les maneres més populars a l’hora de fer pagament en línia.

      1 year ago
  19. Vicenç ClascàVicenç Clascà says:
    Vicenç

    bona explicació, pels que no estiguin decisidits a fer el pas. Gràcies per l’ajuda.

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