Almost half of Americans shop online. Using the internet for purchasing beats going to the mall, but there is also the risk of identity theft to contend with. There are plenty of solutions for this dilemma. Here are some tips for safely shopping online.

You can use a virtual credit card , though not very popular they are great for customers who fear identity theft. These allow customers to shop with a temporary number for just one store or just for the length of the transaction. You get billed on your regular statement; and you have the confidence in knowing that you’re the only one who knows your credit card information. You should ask your credit card issue f they offer this as a service, you’ll find that a lot do. This solution is still evolving; some issuers are now offering the one-time-use credit cards to physical store shoppers as well as online customers. There is even a company that has created the anonymous card which places no personal information on the card and cannot be linked to you if lost or stolen; it requires a PIN to make purchases.

There is also PayPal. This company is probably the one of if not the best-known credit card alternative. You just have to connect one of your payment options with your Paypal account. Your information is safely locked away in their vaults and when you make a payment, they are your go-between. They charge you and then send the money along to the merchant. The only information the seller gets to know is your email address. One drawback of the Paypal solution is that if you would like to recover money through a chargeback, you must complete their exhaustive resolution processes. This is because Paypal is responsible for all chargebacks.

No matter where you shop, you should always be aware if they have a zero-liability policy in effect. That means that if you have an unauthorized transaction you’ve got a major headache on your hands if you want to clear it up. For extra safety, shop only with only merchants who participate in the Verified by Visa or Verified by MasterCard programs.

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