The conscious use of credit cards on the Internet

The use of credit cards on e-commerce is still a taboo for many consumers. A research published by Cetelem-Ipsos shows that an amount of consumers still prefer the banking ticket and the deposit as payment methods on the Internet. The installment sales and credit card are chosen primarily by those who want to make installment payments.

One of the main reasons concern the security of its use, if the transaction is really safe and nobody can steal information. Truly it is important and the transaction with credit card is very safe if the user takes the necessary precaution, like keep the antivirus updated, check the merits of the company and see if the page shows the padlock in your corner with the "https" in the address bar. With these basic procedure guarantees the user that all information exchanged will be encrypted and no one else will be able to get sensitive information like credit card number for instance.

With the popularization of Internet, many people don't really understand the virtual world, the advantages and risks that offer and open up all emails that receives coupled with the fact of leaving the equipments unprotected.

An alternative is to use the Pay Pal, a company that takes advantage of this lack of consumer confidence with more than 2 millions of users in Brazil, and over 200 millions worldwide. The service creates a security layer between the customer and the seller, all you need to do is to have an account and associate your credit card to this service. When you go shopping on the Internet, instead of putting your credit card number, you choose to pay through the Pay Pal account typing your password, and the transaction will be managed and debited in your credit card in a very safe way. However, the internet store needs to accept payments using this method.

As the law of e-commerce obeys the same physical trade, consumers who feel harmed may use the Procon. Although the volume of complaints in relation to virtual commerce is still low, but the numbers show this trend awareness.