Is paypal more secure than entering credit card details directly?

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Forums › Finance and wealth management › Is paypal more secure than entering credit card details directly?

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TwoSeven

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#2239472 16-May-2019 18:56

I use PayPal. In the past I have had goods not turn up and after filling in the PayPal form and waiting a period of time Paypal issued a refund. They go through a dispute resolution process which seemed to be fair.

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KiwiSurfer

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#2239479 16-May-2019 19:13

I prefer CC myself. Have heard horror stories of Paypal randomly closing/disabling/etc accounts for all sort of reasons. At least with CCs I can phone and/or walk into the bank and sort things out if things go wrong. CC seems to be the safer options all things considered.

MurrayM

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#2239687 17-May-2019 09:00

Senecio:

URL doesn't just change though. Any good E-retail site will give you a message saying that you are being transferred to a secure payment provider.

Hah! If I had a dollar for every user that didn't bother reading the instructions...

tripper1000

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#2242429 21-May-2019 15:46

muppet: I enter my credit card all over the place. Never had a problem. Should I have one one day? You can dispute it with the bank.

It's 2019, not 1999.

So you are saying people are more honest that 20 years ago and on line fraud is diminishing. How did that happen? I think the stats will disagree.

My CC has numbers have been fraudulently used twice in the last 6 years. I travel a lot, so I can't be certain if it was compromised during travels or on line, but I have my suspicions that it was a web site. Now I don't hand over my CC numbers on line to vendors/sellers and prefer those that accept Paypal etc. The bank isn't going to cover carelessness indefinitely. They certainly got jumpier with my card, rejecting "high risk" but legit transactions when I was travelling, such as local prepaid phone top-ups.

Batman

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#2242451 21-May-2019 16:20

tripper1000:

muppet: I enter my credit card all over the place. Never had a problem. Should I have one one day? You can dispute it with the bank.

It's 2019, not 1999.

So you are saying people are more honest that 20 years ago and on line fraud is diminishing. How did that happen? I think the stats will disagree.

My CC has numbers have been fraudulently used twice in the last 6 years. I travel a lot, so I can't be certain if it was compromised during travels or on line, but I have my suspicions that it was a web site. Now I don't hand over my CC numbers on line to vendors/sellers and prefer those that accept Paypal etc. The bank isn't going to cover carelessness indefinitely. They certainly got jumpier with my card, rejecting "high risk" but legit transactions when I was travelling, such as local prepaid phone top-ups.

Hi think he meant security or security practices have improved.

Unfortunately not for me.

pctek

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#2243659 23-May-2019 12:31

You forget, you pay a yearly feed to the credit card for protection. Anything dodgy and you file a dispute with the card co...at your bank.

It's easy and quick.

Paypal on the other hand....

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rugrat

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#2243715 23-May-2019 13:07

I have a debit card for online payments only.

I lock the card so no payments can take place, and only unlock when doing payment.

BNZ has recurring payments can still go through while card is locked, ANZ looks like it blocks all payments so I use that one and keep sub $100 in account so no more then that can be taken.

Could do same trick with paypal account and card on it, but think last time they were asking for proof of identity, and didn't want to send copy of license online so didn't join, do have some sites where do it as guest through paypal.

voicetech

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#2243743 23-May-2019 13:48

rugrat:

I have a debit card for online payments only.

I lock the card so no payments can take place, and only unlock when doing payment.

...

Sounds like a great idea for disciplined security-conscious people.

Personally, I prefer to collect all the nice Airpoints status points, and the lounge access and flight upgrades they bring.

rugrat

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#2244537 24-May-2019 12:37

I get my cash back with BNZ, I only use the debit card on the small transactions on overseas sites, like if I was purchasing getflix. They are small amounts so not missing out on much points etc.

Example one game I play is US$2.50 a month, so use debit card for that. Think it goes through Stripe Pay.
Insurance can be over $1000, pay with BNZ and get cash back, NZ transaction.

mattwnz

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#2244603 24-May-2019 14:14

pctek:

You forget, you pay a yearly feed to the credit card for protection. Anything dodgy and you file a dispute with the card co...at your bank.

It's easy and quick.

Paypal on the other hand....

Very difficult though if they send you goods that doesn't match the description/photos. I had this problem with buying something off aliexpress, and the bank said as they had completed the transaction, and provided goods, they didn't want to know.

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