Online payments, which one to choose?
In online payments which method is safer? Here is a rundown of the most popular means and a description of strengths and weaknesses:
The credit card is the most traditional method of payment: it is connected to a bank account, has a high ceiling and requires a deferred debit of the transactions (usually in the middle of the month following the purchase), they are accepted both in Italy and all abroad and enjoy high protection against fraud. They are recommended for those consumers who have fixed income and have good control over their expenses.
The rechargeable or prepaid card is not connected to a current account but works thanks to a payment of money that "loads" the ceiling before use: it is, therefore, subject to top-up costs and immediate debit of transactions. It is also accepted in Italy and generally also abroad, allows purchases in total anonymity, and is suitable for young people who have no fixed income or current account and who use this tool from time to time, also because it is generally accepted for internet purchases without additional charges.
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They are a good solution for those who are still wary of buying on the internet, but the advantages do not end there: prepaid cards are easy and quick to obtain, they prevent (even the most distracted among consumers) from exceeding the budget by having to stick to the top-up of the card; they do not reserve the surprise of interests (like some traditional credit cards or revolving ), in internet purchases they do not involve additional costs and indeed, in the case of scams, the damage is "limited" because it is limited to recharging.
However, there are some drawbacks, starting with certain accessory costs: many require an activation fee (between 5 and 30 euros), while the cost of each top-up can go up to 5 euros. But above all, they are not recommended if you intend to purchase a service that you pay periodically (as it can be, for example, a webspace or a subscription) because the prepaid card must be sufficiently recharged or you must recharge it from time to time for small amounts (by paying the top-up fees again). But what most can embarrass a consumer who is willing to use a rechargeable card for online shopping relates to the fact that relying on different international circuits, commissions on transactions vary and some operators could charge us significant costs (without saying that it will be good to verify that the respective circuit is accepted at the sites on which I usually shop).
PayPal is an online payment system that allows any company or consumer with an email address to send and receive payments. By registering for free, it is, in fact, possible to open your account (which allows you to make payments using your e-mail and password ) to which you can also associate a credit card or a prepaid card, or you can top up without charge from your bank account. The basic idea is to carry out transactions without sharing the card data with the final recipient of the payment: the system does not transmit the sensitive data of the cards connected to the account.
In conclusion, it must be said that bank transfer and cash on delivery are certainly the least convenient or economical methods to use: in the "cost" of these methods we consider that, for example, payment by bank transfer delays the management of the order because the seller awaits credit on his account. In general, 4-5 days may pass before the order is taken into consideration. Cash on delivery, on the other hand, can increase the cost of the goods since the delivery courier charges a surcharge for this type of payment, but shelters both as regards a bank scam and by the seller himself (who could do not deliver the goods).
The credit card is the most traditional method of payment: it is connected to a bank account, has a high ceiling and requires a deferred debit of the transactions (usually in the middle of the month following the purchase), they are accepted both in Italy and all abroad and enjoy high protection against fraud. They are recommended for those consumers who have fixed income and have good control over their expenses.
The rechargeable or prepaid card is not connected to a current account but works thanks to a payment of money that "loads" the ceiling before use: it is, therefore, subject to top-up costs and immediate debit of transactions. It is also accepted in Italy and generally also abroad, allows purchases in total anonymity, and is suitable for young people who have no fixed income or current account and who use this tool from time to time, also because it is generally accepted for internet purchases without additional charges.
you may visit for shopping online shopping bangladesh home delivery
They are a good solution for those who are still wary of buying on the internet, but the advantages do not end there: prepaid cards are easy and quick to obtain, they prevent (even the most distracted among consumers) from exceeding the budget by having to stick to the top-up of the card; they do not reserve the surprise of interests (like some traditional credit cards or revolving ), in internet purchases they do not involve additional costs and indeed, in the case of scams, the damage is "limited" because it is limited to recharging.
However, there are some drawbacks, starting with certain accessory costs: many require an activation fee (between 5 and 30 euros), while the cost of each top-up can go up to 5 euros. But above all, they are not recommended if you intend to purchase a service that you pay periodically (as it can be, for example, a webspace or a subscription) because the prepaid card must be sufficiently recharged or you must recharge it from time to time for small amounts (by paying the top-up fees again). But what most can embarrass a consumer who is willing to use a rechargeable card for online shopping relates to the fact that relying on different international circuits, commissions on transactions vary and some operators could charge us significant costs (without saying that it will be good to verify that the respective circuit is accepted at the sites on which I usually shop).
PayPal is an online payment system that allows any company or consumer with an email address to send and receive payments. By registering for free, it is, in fact, possible to open your account (which allows you to make payments using your e-mail and password ) to which you can also associate a credit card or a prepaid card, or you can top up without charge from your bank account. The basic idea is to carry out transactions without sharing the card data with the final recipient of the payment: the system does not transmit the sensitive data of the cards connected to the account.
In conclusion, it must be said that bank transfer and cash on delivery are certainly the least convenient or economical methods to use: in the "cost" of these methods we consider that, for example, payment by bank transfer delays the management of the order because the seller awaits credit on his account. In general, 4-5 days may pass before the order is taken into consideration. Cash on delivery, on the other hand, can increase the cost of the goods since the delivery courier charges a surcharge for this type of payment, but shelters both as regards a bank scam and by the seller himself (who could do not deliver the goods).
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