The popularity of online shopping also means a higher risk of fraud as scammers look to cash in on card details.
Issuers, processors and even the web stores include features for debit card security but when it comes to fraud it is still better to be safe than sorry.
Understanding the features that come with your Visa debit card and playing an active role in keeping your details safe online will reduce the chances of card problems and help you get peace of mind.
To that end, here are some of the best tips you can use to get exactly what you want online without the worry of card fraud.
Make Sure The Payment Is Secure
Payment forms usually have a padlock symbol and/or https in the address bar, and it is important to look for these features when you click to the checkout.
These security measures mean that details typed in are encrypted, making it a lot harder for fraudsters to access your info.
If you cannot tell whether a payment form is secure, be sure to contact the store directly so that you know whether it is an error or if the store is not legitimate.
Register Your Card Through Verified By Visa
Visa cardholders have an optional security extra for online payments in the form of Verified by Visa.
This security service adds a verification step to online payments, requiring a password from the cardholder before the payment can be processed.
Registering for Verified by Visa means that even if someone has your card details, they will not be able to make a purchase online without the unique password set up with Visa, which helps keep your money right where it belongs.
Looking over your debit card statements will help you find any unauthorised transactions.
A Zero Liability Policy covers all Visa cards, so if you do find any suspicious charges, you should be able to get the money back as quickly as possible.
Look At The Product Location
The internet gives us access to products all around the world, which can be both a pro and a con.
If you have not considered the exchange rate, or debit card fees that could come from foreign transactions, then the cost could end up being a lot more than you expected.
Purchases processed overseas may also be flagged as suspicious by your bank or even Visa, so it may be a good idea to let them know before you buy something from an international seller.
Shopping online can save you a lot of money, but it could also be the cause of security stress. By understanding your debit card features and sticking to established online retailers, you should be able to avoid fraud fiascos and net as many bargains as possible.