Online shopping with prepaid credit card

The world has become increasingly within reach in recent years. Many people no longer go to the local city center for their purchases, but shop online via the internet.

According to Good Finance, no less than 92% of 25 to 49-year-olds made purchases via the internet in 2015. It is also very easy. You are no longer dependent on opening times, but you can purchase products seven days a week, 24 hours a day. And not only from Dutch companies, but also companies from all over the world.

Online shopping is becoming easier and faster, especially if you have a credit card, for example. Courier services are also becoming faster, so some purchases are even delivered the same day. Making purchases via the internet has also become increasingly safe. Yet it is important to pay attention when buying something via the internet, because not every online company is equally reliable.

What should you pay attention to?

What should you pay attention to?

If you purchase a product from a certain website, it is important to check whether the website has a quality mark. In the Netherlands, we have the Thunder Warloan quality mark, which is a quality mark to protect consumers. Here you will find a list of other Dutch labels.

Unfortunately, it is not the case that a quality mark always means that the web store is reliable. It, therefore, doesn’t hurt to Google on the website in question and look for customer reviews.

How can you pay securely online?

How can you pay securely online?

You can pay online in many ways. Via iDEAL (internet banking), with a credit card or a prepaid credit card, or a direct debit. On the website of the Consumers’ Association, you can read which other ways there are. Please note the following:

– Check if you pay in a secure environment. You can see this by the key or a closed padlock in the browser. The web address starts with an ‘https’, where the ‘s’ stands for ‘secure’, which means ‘safe’.
– Read the conditions of the website carefully.
– See if you can retrieve the address details of the website and check if it is an existing address. This is especially a good move if you make purchases on websites from abroad.
– Check your bank account afterwards.

Credit card: a weapon against fake web stores

Credit card: a weapon against fake web stores

Unfortunately, there are also many fake web stores on the internet. These are often indistinguishable from real. Even the quality marks often appear on it. The fake web store can also simply request iDEAL. In case of doubt, you can ask the company to pay half the amount in advance and the other half afterward.

Online shopping with prepaid credit card

You can also choose to use PayPal or your (prepaid) credit card. Credit cards provide extra security. Because if you do not receive your order, credit card companies often have all kinds of safety nets to keep you from whistling. The credit card company can reverse your purchase amount and ask the web store to prove that it actually delivered the product to you. Only if the web store can prove this, will the credit card company still debit the amount.

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