As much as you might resist it, debit cards should not be used to pay for online transactions; a credit card is always safer for e-commerce.
You’re not as protected against fraud when you use a debit card, and disputes with those cards can be difficult to resolve.
Is it OK to use debit card online?
Using a debit card for online purchases is actually very safe though. Additionally, contrary to the myth that debit cards aren’t safe, they are more secure than cash and there’s a limit on what you’re liable for if there is theft. Even so, you can make sure that when you use your debit card online, you’re protected.
Can I use my debit card as a credit card for online purchases?
Yes and no. You can indeed use a debit card at all of the same places that you can use a credit card, and you have the option of signing for debit card purchases rather than using a PIN. All you have to do is select the credit option on the payment terminal after swiping your card.
Is it safe to use a debit card?
While debit cards are convenient and not inherently dangerous, the bottom line is that credit cards offer better overall fraud protection. It can still be a good ideal to use a debit card when you want to limit your debt.
How do you pay with a debit card?
- Present your debit card to the merchant.
- Swipe your card through the point of sale machine.
- Select the “Debit” payment option.
- Approve the transaction.
- Choose the bank account for the transaction.
- Enter your four digit PIN.
- Decide if you would like cashback.
- Wait for the approval notice.