Which is Safer: PayPal or Credit Card?

argel241

New member
Joined
Sep 25, 2017
Messages
45
Points
0
When it comes to paying online, I'm a bit skeptical whether it is safe or not to use my credit cards online.What do you think guys?
 

Rob Whisonant

Moderator
Joined
May 24, 2016
Messages
2,485
Points
113
You can dispute charges on your credit card just as easy as filing a claim with PayPal. So if you ever order something with your credit card and don't get it... Just call your credit card company and have them do a chargeback. Same goes with fraudulent charges.
 

Gen.fudd

New member
Joined
Sep 27, 2017
Messages
25
Points
0
Based on my experience it is safer to use paypal. I think they are more secured and safer to use. And they have a wider services that can offer. It is widely use internationally.
 

vishwa

Well-known member
Joined
May 12, 2014
Messages
1,137
Points
63
Both are safer ways to pay online. PayPal is one of the trusted and widely used payment processor. You can link you credit card to you PayPal account and it will give you ease of doing transactions online.
 

Judas2018

New member
Joined
Sep 4, 2017
Messages
185
Points
0
Your paypal is safe being used so long as your password isn't floating around out there for anyone to use. As for your credit card, make sure not to sue it on sketchy websites. Websites that look poorly constructed, lack a contact email, or seem to not be updated regularly.
 

mastrodigital

New member
Joined
Sep 23, 2017
Messages
42
Points
0
It's definitely more safe to use PayPal but if your credit card were to get compromised it's easier to get it reversed than with a debit card. Most credit card processors require websites to use HTTPS which improves security but always do your best to use a more reliable site to buy from.
 

jojo_1234

New member
Joined
Sep 11, 2017
Messages
20
Points
0
Both are safe and convenient but I guess when it comes to disputes and chargeback PayPal takes action more quickly just make sure you don't give a way your password for it.
 

Dzannerz

New member
Joined
Sep 24, 2017
Messages
5
Points
0
As for me Credit card is more safer than paypal because paypal is just a virtual account that you can use online while credit card can use same for online and in physical transactions.
 

HazelDJ

New member
Joined
Oct 3, 2017
Messages
121
Points
0
In our country, applying for credit cards is not easy as Paypal. An applicant should have a stable job and should have an income that belongs to the required range. There is screening before the credit companies approve. However, there is a risk of using credit cards. There are news that scamming is happening around. So, for me, it is safer to use a Paypal account. Aside from it is easier to apply, there is no credit limit in Paypal that in case of a loss, nobody will scam and abusively spend the amount.
 

eeecentric

New member
Joined
Oct 12, 2017
Messages
19
Points
0
Personally I like to use Paypal more than my credit card because I do not have a bank account tied to my Paypal at the moment, or a credit card. I have only a prepaid card on my Paypal account, so even if my account is compromised, I don't have to worry about a large sum of the money I have being stolen. However, one can argue that this may be too much of a hassle to upkeep and it is more convenient to link a bank account or use a credit card, but I like to be more on the cautious side.
 

mildredtabitha

New member
Joined
Sep 15, 2017
Messages
85
Points
0
Credit card and PayPal are both safe. With credit card, you have 30 days to claim a refund if things don't go well. With PayPal, you have 60 days to claim a refund.

This means that you can't complain that you want back your money after the 30 and 60 days. :D Make online transactions with people and companies you trust to avoid being in that situation. Remember that there are fees in refunding as well.
 

argel241

New member
Joined
Sep 25, 2017
Messages
45
Points
0
Thank you all for the information shared here.Now I know the pros and cons using this two payment method.The majority answered it is safer to use Paypal so I dont have to worry anymore using this method.
 
Older threads
Replies
11
Views
5,285
Replies
3
Views
2,022
Replies
12
Views
2,686
Replies
0
Views
7,547
Newer threads
Replies
1
Views
1,333
Replies
6
Views
1,648
Replies
3
Views
2,416
Latest threads
Replies
0
Views
36
Replies
1
Views
40
Replies
2
Views
75
Replies
13
Views
446
Replies
1
Views
292

Latest postsNew threads

Referral contests

Referral link for :

Sponsors

Popular tags

You are using an out of date browser. It may not display this or other websites correctly.
You should upgrade or use an alternative browser.

Top