When using credit cards online, it is always useful to know a few of the basics. If you have a business on the Internet, you have to be able to accept credit cards online. Many people are scared of using their credit cards on small sites that aren't secure. Potential customers are more likely to order from you if your site is secure.
On some sites you visit, you may have seen a small logo called [verisign], this means that the site is secure and you can use your credit card safely. It is easier to give out your details when you know this although no system is completely secure. Potential customers need this reassurance if you want them to buy from you.
If you are shopping online, there is something you should remember. Most sites accept credit cards online, but some are not as safe as others. The verisign logo helps and it is a good place to start but it is not the only thing you should look for. Normal web addresses start with http:// but when you are on a secure site or the ordering page of a secure site the address should start with https://.
Credit card users should be careful though because there are some web sites that accept credit cards that have the sole intention of collecting you card details. These are often referred to as phishing sites, you may be surprised at the number of people who fall for this. These 'phishing' scams often start with an official looking email from your Credit Card Company or bank requesting you follow a link to update or confirm your personal information. Once you have followed the link it transfers you to a false but cleverly constructed website, designed to look like the real thing. If you then enter the requested personal information, the fraudsters have very easily gained access details to your account.
These sites rely on you following a link, by entering the web address in yourself manually; you can get around the problem. Open a new browser, and type the address in as you know it. Remember that almost no one will ask you to verify any information via email. If there is a problem, they will call you. The easiest way make sure is to go onto the official website and find a contact telephone number. A site that handles credit card transactions and is legitimate will always be happy to answer questions if you are unsure about ordering.
