As debit cards have become a useful and convenient way of paying for items online without going into debt in the same way that credit cards do, but the whole process comes with risks.

Use a reputable website

Before entering your card details, make sure that the website is trustworthy and has a secure connection. Look for a padlock icon in the address bar and a URL that starts with https:// to confirm this fact.

It’s also a good idea to Google the business and see what kind of reviews they have. If customers have left negative feedback, you’ll know to steer clear!

Use a separate account

If you have one available, use a debit card that you know hasn’t been used anywhere else. This way, if your account does get compromised, you’ll know that there’s a set amount of money in there. You might even then be able to trace the transaction back to the web site if you’re lucky.

Use a virtual card number

Some banks and providers offer “virtual card numbers” that you can use instead of your real debit card number. This virtual card number is a temporary and unique number that’s linked to your physical debit card, but will only exist for the transactions you choose. You can change or cancel it at any time. This is helpful to prevent your real card number from being stolen or misused.

Convenience vs safety

Some sites and apps will let you store your debit card details with them for a quicker checkout. But what are you really sacrificing in the name of a speedy service.

One of the most common sites that stores card data is Google Pay. Google Pay is a digital wallet that allows you to pay with your phone or computer using your debit card, credit card, bank account or Google Pay balance. Once you’re logged into your Google account, Google Pay stores your payment information on their servers, which are protected by encryption and security measures. However, Google Pay also shares some of your payment information with merchants and third parties, such as your name, email address, phone number and billing address. You can control what information Google Pay shares by adjusting your settings in the app or website. Thankfully, you can also delete your payment methods from Google Pay at any time.

Another site that stores your data is PayPal. PayPal stores your debit card data on its servers, which are also encrypted and secured. PayPal does not share your full debit card number with merchants or third parties, but it may share other information such as your name, email address, phone number and shipping address. You can review and edit your PayPal settings and preferences on the website or app. Like Google Pay, you can also remove your debit card from PayPal at any time.

Some other sites that store debit card data are online retailers, such as Amazon, eBay and Shopify. These sites allow you to save your debit card data for faster and easier checkout. However, this also means that your debit card data is stored on their servers, which could be vulnerable to hacking or data breaches. Some online retailers use third-party payment processors, such as Stripe or Braintree, to handle your debit card transactions. These payment processors may also store your debit card data on their servers. You should check the privacy policies and security practices of these sites and payment processors before you provide your debit card data. You can also choose not to save your debit card data on these sites and enter it manually each time you make a purchase.

Storing debit card details can be very convenient, but it should be thought about carefully each time.  With these handy tips you’ll be able to enjoy the benefits of online shopping with your debit card while minimising the risks. Remember to always be careful and vigilant when using your debit card on websites. Happy shopping!