Handling Online Credit Card Transactions

There are a number of facts you should be made aware of before you use your credit card online. If you run an internet business you must be able to handle online credit card transactions. Most people won't use their credit card if the site isn't secure and many small businesses find this a problem. If your web site accepts credit card payments it's important that it's secure so potential customers will feel comfortable ordering from you.

There are always commercials and advertisements about debt relief being flashed on TV or in the newspaper. You would be wise not to readily commit to anything until you know more about the process. Warnings are now coming from the Federal Trade Commission about signing up with companies that advertise in this way. It is good to be aware that you may have a worse credit record after you have used the services of one of the firms.


If you shop online, don't forget this. Although many websites accept credit card payments, some are safer to use than others. The verisign logo helps and it is a good place to start but it is not the only thing you should look for. A secure web site has the address https:// and not the usual http:// when you look at the address bar in your browser.

It is now a fact that some sites are set up as decoys and can trick the unsuspecting user into giving their credit card information. These are often referred to as phishing sites, you may be surprised at the number of people who fall for this. It usually begins with an email telling you that your information must be updated, and then offers you a link. Clicking on the link takes the user to a website that looks exactly like the real thing but is a cleverly designed imitation. Access to you bank or credit card company are easy once you have entered your information on the site.

The easiest way around this type of scam is to enter the website address in manually. By entering the internet address in yourself, manually, in a new browser, you will avoid the dangerous link. As a rule of thumb, just remember that financial institutions almost never ask for private information via an email. Initial contact is normally by phone if there is a problem. It's easy to check the website for a telephone number if you're not sure. Any site that is legitimate, and can accept credit cards online will understand your hesitation and will be happy to answer any questions you may have for them.

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