sábado, 11 de junio de 2011
Products can be purchased online
- Apparel
- Baby & Kids
- Bags, Shoes & Accessories
- Camera
- Motors
- Cell Phones
- Computers
- Electronics
- Events & Weddings
- Health & Beauty
- Home & Garden
- Jewelry & Watches
- Measurement Instruments
- Musical Instruments
- Security & Surveillance
- Sports & Outdoors
- Toys
- Video Games
Safety with online credit card payment
Encryption: When a customer enters his credit card details it must be cryptographically secured transmitted to the card issuer. If the card number would not be encrypted a network technician could find the number in a server log file and use it for his own shopping. The 128-bit encryption method is considered to be safe unless you are dealing with the CIA.
A secure transaction can be recognized by a yellow key or lock symbol in the lower status bar of a web browser. However the MS Internet-Explorer does not show a lock symbol if the webpage has mixed content or layers. Reasonably customer data is encrypted while images like item photographs can be cleary transmitted. A missing lock symbol can also still mean that the shop is safe.
Processing: Of what avail is it that a shop software uses an encryped transmission if it later sends the number in an unsecured e-mail to the merchant? Or if the merchant can print it on a delivery note and leave a copy on his desk. A secure processing of the data is as important as the transmission!
The whole card processing is done at a licensed card processor and the merchants shop software only gets the result of the credit check and a reference number for later identification of the payment. The merchant will never know the card number itself.
A secure transaction can be recognized by a yellow key or lock symbol in the lower status bar of a web browser. However the MS Internet-Explorer does not show a lock symbol if the webpage has mixed content or layers. Reasonably customer data is encrypted while images like item photographs can be cleary transmitted. A missing lock symbol can also still mean that the shop is safe.
Processing: Of what avail is it that a shop software uses an encryped transmission if it later sends the number in an unsecured e-mail to the merchant? Or if the merchant can print it on a delivery note and leave a copy on his desk. A secure processing of the data is as important as the transmission!
The whole card processing is done at a licensed card processor and the merchants shop software only gets the result of the credit check and a reference number for later identification of the payment. The merchant will never know the card number itself.
Payment methods when shopping online
Advanced payment: The customer pays the total amount by wire transfer into a bank account of the merchant. The ordered goods will be shipped after incoming payment. This is the safest method for the merchant but the customer must trust the shop and wait some days for the wire transfer to arrive.
Cash on delivery: The merchant ships the order and the postman cashs the amount at the door. So the merchant knows that the customer pays. But the customer has to pay before he may check the content of the delivery. Therefore the trust into the merchant is almost as important than with advanced payment.
Credit card: The customer authorizes the order by typing his credit card details in the form of an online processor who is automatically running a credit check on his card. The merchant can be sure that the card is covered. Normally the final amount will be settled when shipping the goods. Should the order not arrive the customer can cancel the payment with his bank within 30 days and the merchant has to proof that the package has been really shipped to the right address. Credit card payment is popular with merchants and clients and offers a fast method of payment and delivery but there apply a lot of fees that make this payment method only suitable for larger shops.
Cash on delivery: The merchant ships the order and the postman cashs the amount at the door. So the merchant knows that the customer pays. But the customer has to pay before he may check the content of the delivery. Therefore the trust into the merchant is almost as important than with advanced payment.
Credit card: The customer authorizes the order by typing his credit card details in the form of an online processor who is automatically running a credit check on his card. The merchant can be sure that the card is covered. Normally the final amount will be settled when shipping the goods. Should the order not arrive the customer can cancel the payment with his bank within 30 days and the merchant has to proof that the package has been really shipped to the right address. Credit card payment is popular with merchants and clients and offers a fast method of payment and delivery but there apply a lot of fees that make this payment method only suitable for larger shops.
Advantages and disadvantages to online shopping
Adventages
First, there is the convenience of being able to shop 24 hours a day for any type of product imaginable.The ability to shop from home allows many people who have trouble getting to real world shops such as elderly or disabled people or others with transport or mobility issues to still purchase the products and services they need.Many people also have trouble attending shops during their opening hours, such as those that work the same hours as shop opening times, mothers with young children and no one to mind them.A huge advantage of shopping online is that you have the opportunity to compare as many products and prices as you want without having to spend the time and money to travel between several different shops.
Disadvantages
The main disadvantage of shopping online is that you have to pay shipping costs and have to wait for the items you purchased to be shipped and delivered.Another disadvantage is that you have to buy the item relying purely on a photograph and description, you cannot feel or see the item you want to buy.
The final disadvantage of shopping online is that it is much harder and takes longer to return faulty goods; you will have to repack it and pay to ship it back to the seller. It can literally take weeks to exchange a faulty product purchased online.
In summary, the main advantages of shopping online are convenience and cost savings, while the main disadvantage is that the item is not immediately available, and you cannot inspect it personally before you make your purchase.
First, there is the convenience of being able to shop 24 hours a day for any type of product imaginable.The ability to shop from home allows many people who have trouble getting to real world shops such as elderly or disabled people or others with transport or mobility issues to still purchase the products and services they need.Many people also have trouble attending shops during their opening hours, such as those that work the same hours as shop opening times, mothers with young children and no one to mind them.A huge advantage of shopping online is that you have the opportunity to compare as many products and prices as you want without having to spend the time and money to travel between several different shops.
Disadvantages
The main disadvantage of shopping online is that you have to pay shipping costs and have to wait for the items you purchased to be shipped and delivered.Another disadvantage is that you have to buy the item relying purely on a photograph and description, you cannot feel or see the item you want to buy.
The final disadvantage of shopping online is that it is much harder and takes longer to return faulty goods; you will have to repack it and pay to ship it back to the seller. It can literally take weeks to exchange a faulty product purchased online.
In summary, the main advantages of shopping online are convenience and cost savings, while the main disadvantage is that the item is not immediately available, and you cannot inspect it personally before you make your purchase.
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