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. Small businesses find that visitors to their site are less likely to use their credit card if the site is not secure. Potential customers are more likely to order from you if your site is secure.

Websites were secure credit card transactions can take place have a small logo on the bottom right of the screen called [verisign]. Using this system is about as safe as it can get when using your details online although no method is eve guaranteed completely secure. If potential customers get the impression you are doing everything to make their purchase secure then they are more likely to buy from you.

Try to remember this when you next buy something online. Many sites accept credit cards, but some are safer than others. The verisign logo helps and it is a good place to start but it is not the only thing you should look for. Always remember to look for the ’s’ in the web address, i.e. https:// and not http://, as the ’s’ means it is a secure site.

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Be careful when looking for sites that accept credit cards online, because there are many decoy sites out there that are made just to swipe your credit card number. 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. It is easy for these people to access your account immediately after you have entered your details.

If you are unsure of the site, don’t follow the link directly but enter the internet address in yourself manually. To do this, close the existing browser window you are in and start a new one, entering the internet address in yourself. Financial companies do not use emails to verify personal information. The first point of contact is usually a phone call. If you really aren’t sure about it, look on the site for a phone number. Any company that accepts credit cards online will help with questions you may have about carrying out transactions, legitimate ones that is.

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