Payment by credit card on the Internet

[CarderPlanet]

A plastic bank card appeared on the financial market about 60 years ago and today it is a popular method of non-cash payments, and sometimes just an irreplaceable alternative to cash. Tied to one or several accounts opened with a bank, a bank card is a personal payment instrument that allows its owner to perform a wide range of non-cash settlement transactions, including:

• purchase of goods and services;
• money transfers to other persons;
• withdrawal of cash at the cash desks of a financial institution or ATMs.

Modern banking structures offer a wide range of debit and credit plastic cards, allowing their holders to manage both their own money and borrowed funds.

Why is it profitable to pay with a bank card​

Among the key advantages of paying for purchases with a bank card are:

• convenience;
• simplicity;
• availability;
• speed.

Replacing a thick wallet, a bank card has all the functionality of cash in its entirety. At the same time, communicating with the terminal, the cardholder does not have to pay for the bank's services, that is, he is able to save on commission fees. An equally attractive characteristic of a bank card is that it can be used not only in ordinary retail outlets, but also on the Internet.

Today, even a not too "advanced" Internet user with a bank card is able to make a purchase in an online store, pay utility bills, buy a movie or plane ticket, and book a hotel room. To do this, you do not have to spend time and money on a trip to a store or a ticket office, stand in line and communicate with not always friendly sellers. Moreover, at present it is possible to bind the card not only to a stationary computer or laptop, but also to any smartphone. This means that payment by credit card on the Internet can be carried out online regardless of place and time - in the office, on the couch at home, while walking in the park - the main thing is to have access to the World Wide Web.

Online payments with a bank card - speed and security​

Online card payment is a real-time payment. Such a payment operation takes a minimum of time, and, thanks to the bank's round-the-clock automated services, an instant settlement can be made:

• early morning and late evening;
• during your lunch break;
• on weekends and holidays.

As a rule, to make a payment on the site, you need a bank card with a positive balance and a couple of minutes in order to enter individual information into the proposed form, including the card number and expiration date, as well as the payer's e-mail address. After registration, most sites offer to use the services of the "Personal Account", where the buyer (payer) can store receipts and repeat payments without re-entering personal data.

Traditionally, web resources with the ability to accept payments on the site are subject to increased security requirements and standards designed to prevent leakage of confidential data and protect customers' money. On trustworthy Internet sites, the parameters and the used security certificates are mandatory. Payment by card on the site, the address of which begins with "https: //", is guaranteed safe . In addition, banks also take care of protecting their customers from fraudsters - on each bank plastic card, in addition to the number, the full name and surname. and expiration date, there is also a three-digit CVV code, which, in fact, is the main secret key to the user's account. VISA Classic and MasterCard Standard are considered to be the most secure bank cards from fraud.