Which is the safer way to purchase online, with your credit card or with PayPal?

PayPal, or another reputable third-party payment service, is definitely safer than using a credit card online. From a personal perspective, I once made an online purchase with a credit card and had the credit-card number stolen. The thieves maxed out my credit card before the bank knew enough to notify me.

Fortunately, I have an excellent credit record so didn't need to dispute the charges. However, my card was closed, and a new card was issued. Now I don't make any online purchases if PayPal is not accepted.

With PayPal, the merchant has no access to my personal or financial information beyond my email address. From a bankiing perspective, I don't recommend giving to a merchant a credit- or a debit-card number over the telephone or over the internet. I've learned a lot from my own and customers' mistakes and would never make a credit or a debit purchase when I'm not physically present to swipe the card or to sign the receipt.

Aside from the possibility of theft, there are two additional issues: 1. Card information is stored in the merchant's computer and can be used for recurring payments. These recurring payments are often difficult to stop without closing the card.

This is especially true with a debit card when making a signature-based ("credit") purchase. I don't even use a card to pay utility bills, because I don't trust merchants with "one-time payments. " 2.

Telephone and online systems are sometimes tricky and can result in multiple authorizations. With PayPal, you get real-time information about transactions. It's always best to check PayPal to see whether the transaction went through and whether the amount is correct.

PayPal is good about dispute resolution. Per the above, there is no advantage, beyond convenience, to using a credit or a debit card over the telephone or over the internet. You may choose a different third-party service than PayPal.

However, I trust PayPal with my money and my financial information. Nevertheless, it won't hurt PayPal to have competitors. Just don't give your card number via the telephone or the internet, because you expose yourself to theft, unwanted recurring payments, or multiple transactions.

Whether an unwanted transaction is due to fraud or to an honest mistake, the potential for financial devastation is the same. Protect yourself.

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