Based on the current Online Payment 2022 study, most people prefer to pay for their online purchases via PayPal or other digital payment methods. Credit cards and direct debit are just as popular as payment via a mobile app. In recent years, the choice of digital payment methods has increased significantly. This has had a positive impact on security, flexibility, and user convenience.
Top up credit with a Paysafecard
The Paysafecard is a modern method of making anonymous payments online. The payment remains secure, and anonymous and is one of the fastest payment methods in direct comparison. The Paysafecard works like a kind of prepaid credit card and goes back to an Austrian company. With this card, it is possible for a user to pay online without having to enter his or her own data. It is possible to buy some credit and receive a 16-digit code in return. This code is sent by e-mail in a few seconds. To pay, users only need the code and their account will be credited the next moment.
The practical cards can already be used in many places, for example in the Paypal casino in UK, which offers users the advantage of making instant deposits with a PayPal without having to enter their own payment data online or deposit a bank account.
Online purchase on account
One of the most popular variants in e-commerce, in general, is still the purchase and payment on account. This guarantees a customer maximum security because he can first test the product or service before completing the purchase and making the payment. If the product is returned to the recipient within the next 14 days, no money is transferred. This saves a lot of time and hassle.
Direct debit – convenient and secure payment
In the popularity scale, PayPal and digital payment methods and the invoice are followed by the credit card or direct debit agreement. The latter is an agreement between the supplier and the customer to deduct the invoice amount or the outstanding amount from the account. It is a very convenient procedure where no consumer can miss the payment deadlines. In advance, every customer must agree to the direct debit and confirm a box with a tick or provide a signature for this purpose. No one is allowed to debit money from a person without being asked – in an emergency, there is still the option of returning the direct debit via the bank.
How secure is payment by credit card?
Credit cards are available from various credit card institutions – such as Mastercard or Visacard. It offers the advantage of being able to pay securely anywhere in the world. When paying online by credit card, most providers use the 3-D Secure procedure. With this procedure, the payment is activated on an external device of the owner and thus confirmed. Customers are on the safe side to make sure that no one else is paying illegally with a credit card. In addition to the usual credit card information, a secure code is required. This three-digit code is often found on the back of the credit card.
The strengths in paying by credit card lying in the waiting periods and payment deadlines. Depending on creditworthiness and ability to pay, the credit institution grants its customers varying degrees of financial leeway. Usually, the credit card provider issues an invoice at the end of the month for all purchases and payments made. Once the respective credit card limit is reached, no further payment can be activated.
Prepayment and bank transfer
Every portal and every online shop offers the chance to transfer the amount in advance. This payment method is becoming increasingly unpopular, as the customer first has to hand over money and then hopes to receive the goods on time. The merchant often gives a discount or rebate as a thank-you. If you are buying very expensive products, you can save money by choosing the payment method.
Cash on delivery or cash payment
A traditional payment method is a cash delivery. In this case, the customer hands over the value of the goods or the agreed invoice amount to a messenger. In most cases, there are not exactly small additional costs associated with cash on delivery. Neither the traders nor the operators of the portals have any influence on this. The fees for the surname are set by the deliverers. For this reason, fewer and fewer consumers are opting for this payment method.
Payment by installments
The payment method of monthly installments is recommended for purchases above a certain size. For example, when purchasing large pieces of furniture, electronic devices, cars, and expensive holidays, more and more consumers decide to divide the entire value into monthly installments. In this way, one preserves one’s own financial freedom and can make a purchase or acquisition at the time of one’s choosing.
Modern digital payment methods offer a high degree of security and flexibility when it comes to paying bills. This is why traditional payment methods are being replaced more and more. Bill payment and payment by credit card still rank high on the popularity scale. They go hand in hand with a high degree of security, because they have been tried and tested for many years. But it is precisely the new providers such as PayPal, Paysafecard, or other digital payment providers that convince with lucrative offers an uncomplicated and fast payment
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