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May 2008
By Robert Smith © Smith's Family Enterprises Inc.
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Is It Safe To Use Your Credit Card On-Line?
 By Robert Smith
© All Rights Reserved
The simple answer is YES! It is not only safe, using your credit card is the safest and only way you should buy anything on-line. It's actually safer to buy on-line with your credit card than to use your credit card almost anywhere else.
More than ninety percent of all sales on the Internet are processed using credit cards.
Internet credit card fraud today is big; it costs merchants and credit card companies billions each year. As a consumer, using your credit card on-line offers you special protections not available with any other payment method.
Who Pays for Your Protection?
When you buy using a credit card, merchants pay a percentage of their total transaction to the merchant's account provider. Typical discount rates range from 2.5% to 5%, depending the type of business and other factors. Some of the funds and a per-transaction fee are used to pay for your protection, but it's the merchant that pay for credit card fraud, not the customer.
When you use a check or a fake credit card or debit card that draws funds from your checking account these protections don't apply. Always use a real credit card and not a debit card on-line.
Credit card companies are on the side of the consumer, they want you to use your credit card because they earn a percentage of every sale from the merchant. Fraud costs are mostly charged to the merchant.
- 1) If you are a victim of any kind of fraud you can have the charge removed.
- 2) If your product is not delivered you can have the charge removed.
- 3) If the quality wasn't as represented, you can have the charge removed.
- 4) In most cases if you just want a refund for any reason you can get it without any hassles if you buy with your credit card.
- 5) If you have trouble getting a refund for any reason you can dispute the purchase with your credit card company and have the charge removed.
Buying Off-line
When you buy off-line at a restaurant, mall or department store, your purchase is actually much less secured than it is on-line.
Off-line there is a paper trail where many people have potential access to your information. Anyone anywhere along the way can get access to your credit card information or even to your entire identity.
Retail transactions are verified via telephone lines where hackers can get access to your information. Always ask to get your carbon returned every time your card is swiped so your information is not left available to the staff or end up in the garbage where identify thieves find it for identity theft.
Your personal information is only as safe as the computer system where your account information is stored. Most retail stores today use wireless computer networks to store your information. Wireless computer hackers compromise hundreds of thousands of accounts on a regular basis selling account information to crooks.
Retailers may keep your information on file for future sales without your permission, where anyone with access can compromise it. In addition, many merchants will sell your personal information without your permission to third parties.
Buying On-Line
When you purchase on-line, things are almost always much more secure.
Assuming you only enter your credit card information on secure servers your information is encrypted. A secure server URL address starts with the prefix https not the normal http that non-secure pages use the added "s" stands for secure. Your browser should also show a locked padlock in the status bar if you are on a secure server.
Your information is encrypted using 64 bit encryption technology. This encryption is 100% safe and no-one has figured out how to break it. In almost all cases your merchant doesn't have access to your credit card number or card verification number. They will have access to your name, address, phone number, and authorization number for your purchase, just in case they need to contact you about the sale or generate a credit or refund later.
The Electronic Sales Process
1) Your encrypted credit card information goes directly to a third party transaction payment gateway server where it remains encrypted from human eyes. When you use your credit card, you submit an electronic request to a third party processing network for "authorization to capture funds" from your credit card account in the amount of the purchase.
2) The processing network receives your electronic request in real time. It determines if your account is valid and if the funds are available. If they are, the processing network returns an electronic response code. This response is called an "authorization code"; it is the guaranteed authorization required to capture the funds. Typically, this code is a six-digit number. The transaction and its associated authorization are stored in a "batch", where other transactions for that day reside. Only the merchant and the processor have access to the authorization code and the transaction number for the sale but neither will have access to your credit card number.
3) The merchant's transaction gateway server sends you and the merchant a transaction receipt via email. As far as you are concerned, the transaction is complete. One more step required for the merchant to complete the transaction.
4) At the end of the business day (usually), a final request is submitted to the processing network to go ahead and "capture the funds" that you obtained authorizations for during the course of business that day. This is called "settlement". Any charge can be voided before settlement occurs. This gives a merchant a second chance to examine all transactions to see if everything looks OK. This step is important because the merchant is ultimately responsible for any fraudulent sales.
5) Within 48 to 72 hours (usually), the funds associated with the batch are deposited electronically into the merchant's business bank account. Typically, the discount rate your merchant pays are deducted from the deposit before it transferred to the merchant's bank account.
Real Time Credit Card Processing
If you intend to sell anything on-line you must be able to accept credit cards; credit cards are the currency of the Internet. Secure real time credit card processing removes the barriers that might prevent you from doing business on the net.
A real time credit card processing system is a transaction processing system that functions as a payment service using a secure transaction server on the Internet. Merchants with a merchant account can use the system to submit, authorize, capture, and settle credit card or eCheck transactions on-line without the need for a separate transaction terminal, device or processing software. The company I have used for 5 years is linked below.
>> http://tmsontheweb.com/application/?id=105425
How to Avoid Problems
Most Internet merchants are honest and deliver exactly what you pay for. If they didn't they would lose their merchant account. Your credit card company protects you from on-line fraud. If you have a problem with a merchant you can't resolve on your own, call the number on the back of your credit card to get help or to dispute the sale.
The number one way your personal information is compromised on-line is when you give it to someone who shouldn't have it in the first place. Almost 100% of fraud can be avoided simply by not buying from strangers via email. NEVER buy anything from spammers, NEVER, no matter how good the deal seems.
The porn industry is another way people get taken. They often collect credit card info in order to sell it to fraudsters.
A deal that sounds too good to be true or appeals to greed are another way scammers get access your credit card information. When someone tells you to keep their offer in confidence, assume there is a reason. You should know you can't buy legitimate products for 10% to 20% of the normal price.
Just use common sense. You haven't been specially selected for anything. You haven't won $1,000,000 in a contest you don't even remember entering, and no-one is going to send you millions of dollars to help them get their money out of Nigeria or some other country.
A legitimate business will never ask you to provide your personal information via non-secure email.
Scammers often print one link on the email but when you click, it may redirect you to another one. Any time you log onto any site to provide personal credit card or banking information type the secure URL address into your browser. Look at the address you entered, if you are not 100% sure call the company directly to confirm. At least validate the owner of the domain in question using a DNS search tool like the following
>> http://www.betterwhois.com/
Don't be afraid of buying on-line, it's still the safest way to buy anything, and it's usually cheaper than buying anywhere else. Even with the cost of shipping, often you can buy cheaper and safer on-line, even from the biggest retailers without even leaving home.
ROBERT SMITH
helps thousands successfully market their
Internet based home business. You'll find tons of free marketing tools & resources on his Internet Marketing web
site at: http://www.smithfam.com/.
The WebKit CD - Complete Marketing Package
http://www.smithfam.com/webkit/
The WebMaster's Tool Kit CD
http://www.smithfam.com/wtk/
You can reach him by phone at: (541) 689-1847 PST
and by email at. Contact Robert Smith
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