What is the safest way to pay online? Boleto or card?
When we make purchases online, one of the uncertainties is whether we're using the most secure online payment method. So, what's the best alternative?
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Online shopping has increased significantly in recent years, especially during and after the pandemic.
However, despite being a safe environment for shopping, the internet is very prone to scammers, especially cybercriminals.
Amid so much uncertainty, consumers have many questions, including: Is there a safer way to pay for online purchases? Which is the best method? Credit card or bank slip?
Continue reading this text and find out! See below what you'll find in this post:
- How does online payment with boleto work?
- How does online payment with a credit card work?
- What is the safest way to pay online?
- What is a virtual card?
- Conclusion.
How does online payment with boleto work?
This payment method has become increasingly popular among consumers. It's now very easy to find online stores that accept boleto payments.
Considering that, in the past, purchases made online could only be paid for with credit cards.
The standardization of boleto as a payment method is also part of the digital transformation, which has democratized online payment methods and made life easier for those who lacked credit in the market.
To make things even easier, you can now pay your bill in installments, just like you can with a credit card.
Paying online with a boleto is very simple. First, you make your purchase as usual, and when it's time to proceed with payment, choose the boleto.
A payment slip will then be generated. You can print it and pay at the lottery outlet, or simply copy the number and pay using your bank's app.
The safest way to make this payment is to copy the barcode number and pay directly through your bank's app or website, without printing.
This way you protect yourself against the fake ticket scam. Read the text and find more details.
Payments made via boleto may take up to 2 business days to be processed.
Therefore, it's important to pay attention to this detail as well. If you want to take advantage of a flash sale with limited stock, it might be best to choose an instant payment method.
Also keep an eye on the bill's due date, but bills are currently generated with due dates greater than two business days from the date of purchase.
How does online payment with a credit card work?
Credit cards are still the most widely used payment method for purchases in online stores, however, is it the safest way to pay online?
Many people choose this payment method because of the installment option. Furthermore, payment is approved instantly, so your product is already guaranteed.
Online payment with a credit card also works very simply, however, when selecting the payment method you will have to enter your card details and your CPF.
You can also choose how many installments you want to pay for your purchase and see the installment amounts, including interest, if applicable.
What is the safest way to pay online? Boleto or card?
Purchases made in virtual environments are safe, however, consumers need to take some precautions when purchasing, for example, only making purchases on completely trustworthy websites.
Your payment method can also ensure a more reliable purchase. For example, purchases paid with a credit card may be refunded if the product is not delivered, for example.
In this case, the credit card becomes the safest way to pay online.
Purchases paid via boleto also receive a refund, however, if the purchase is from a reputable and trustworthy company.
In the case of scams, it becomes much more difficult, or rather, impossible to get your money back if the payment was made via boleto.
Furthermore, it's crucial to be careful not to pay a falsified bill. One tip to avoid this kind of headache is to avoid printing the bill, as mentioned above.
Another way is to download the bill directly from the store's official website and not print any bill sent through other channels, for example, email and WhatsApp.
In the case of credit cards, you can make your transaction even safer by paying for your purchases with a virtual credit card. Read on for more details!
What is a virtual card?
It is the virtual version of your physical credit card, so it can only be used for online purchases.
This card is more secure, as it is generated with each purchase or has a short duration. Furthermore, some data is different from the physical card, which makes cloning difficult.
The limit for this card model is the same as your credit card, however, even if you don't have a credit limit, you can generate one and pay with your account balance.
In other words, you don't need a credit card to generate a virtual card. You just need an account with an institution that offers this service.
Most digital accounts offer this product to their customers. Among the best options on the market, we can highlight, for example:
- Inter Bank;
- Original Bank;
- Nubank;
- Iti Itaú;
- Neon;
- Banco Pan;
- Digio;
- PicPay;
- Next;
- C6 Bank;
- Trigg.
Conclusion
As you can see, the safest way to pay online It is with the credit card, even in Brazil, the country with the highest rate of card cloning.
This is because the customer is always protected, as they can request a refund from the bank or credit card issuer if they realize that an online purchase was made without their knowledge.
However, paying with a boleto also has its advantages, but you need to do so in a reliable and secure environment and be careful not to pay a fake boleto.
