How to pay by credit card online

You have toured several stores in your city looking for a specific product. Browsing through some flyers, you have found the cheapest point of sale to buy it in your city. Back home, however, something happened that stopped you from running to the store and buying it: by searching the web to check the characteristics of the product, in fact, you realized that on some online stores it was available at much cheaper prices. .

Trying to take advantage of this opportunity, you have decided to have the item delivered directly to your home, through the shipping service offered by an e-commerce site. You have read that credit card is accepted as a payment method, but you are a little fearful because you do not know how to go through the purchase process through this tool or because you do not know whether to trust entering your details on an unknown website. If this is the case, you will be happy to know that I can help you clear up all your doubts on the subject.

In fact, in this guide of mine, I will show you how to pay by credit card online to receive your purchases from the comfort of your home. Are you curious to find out how? Then don’t miss the tips I have prepared for you, in which I advise you how to make payments by credit card and how to avoid running into a scam. Are you ready to start? Then let’s not waste any more time! Happy reading and, above all, happy shopping online!


  • Get the card
  • Websites where to use the credit card
  • Pay with credit card
  • Pay with other tools
  • Online scams: how to avoid them
  • Get paid by credit card

Get the card

As trivial as it may seem, the first thing you need to do to pay, both online and offline, with a card is to get the card itself. In the common imagination, this operation requires you to physically go to a bank, sign various documents and wait for endless days. In reality, things have not been like this for a while.

Realities such as HYPE , for example, allow you to obtain a payment card, both physical and virtual, to be used for purchases of all kinds, in just a few clicks and without moving from home. More specifically, HYPE is an electronic money account associated with a Mastercard circuit card (both physical and virtual) that can be requested and managed conveniently from a PC or smartphone app.

It allows you not only to make purchases on the Internet and in physical stores (with support for Google Pay , Samsung Pay and Apple Pay and cashback on over 500 online stores), but also to monitor income and expenses, send and receive money, send and receive transfers free, withdraw from ATMs around the world, set savings goals, pay bills / bills, make phone top-ups, buy and sell Bitcoins and much more.

As mentioned, it is possible to open a HYPE account and obtain the card within a few minutes: you just need to be at least 12 years old, have a valid identity document and follow the guided procedure proposed by the HYPE website . Various plans are available: HYPE Start which does not provide for fixed monthly costs but has limits (eg 1,000 euros for a daily top-up and 250 euros for a daily withdrawal); HYPE Plus (1 euro / month with 15 euro bonus on first top-up using the PLUS15 code during registration) which breaks down the withdrawal, top-up and spending limits present in HYPE Start and offers the possibility of home utilities and crediting the salary; and finally HYPE Premium(9.90 euro / month with 25 euro bonus on first top-up using the PREMIUM25 code during registration) which combines the advantages of HYPE Start and HYPE Plus and also offers complete travel insurance (medical and for flights in delayed / canceled), free worldwide payments and withdrawals, the World Elite Mastercard credit card and priority assistance (also via WhatsApp).

More information on HYPEMore information on HYPE PlusMore information on HYPE Premium

Once the HYPE card (virtual or physical) has been activated, it can be used to make online purchases on any Internet site by simply entering the data. Furthermore, in the HYPE application there is a section dedicated to offers with the best discounts and cashbacks offered by affiliated stores.

To learn more and to find out in more detail how HYPE works , consult the tutorial I dedicated to the service.

Websites where to use the credit card

If you intend to purchase a product or service from an online store, it is important to put into practice some precautions, which can protect both the credit card and other personal data that are entered when purchasing an item. on the Internet.

Let’s start with the reliability of the sites: often you are attracted by the low prices compared to those found on more famous e-commerce sites. Before catapulting headlong into purchasing a product, however, it is a good idea to check the reliability of the shop on which you want to make the transaction.

In fact, it is not uncommon for some e-commerce sites to be closed for fraud against the state or the consumer. This does not mean that all online stores are hiding a scam behind them, but it is a good idea to inquire on the Web, regarding their degree of reliability. How? Don’t worry, in the next few lines I will explain how by giving you some tips to buy online safely.

The first thing to check is whether the transactions take place in HTTPS . What does it mean? That purchases are made through a secure connection and payment data are encrypted throughout their journey, until the transaction is concluded. Secondly, it is important to read all the information on the website regarding returns , payment methods , after-sales assistance and any other document that can guarantee transparency.

Furthermore, you must carefully read the description of the products , checking that they fully satisfy your needs. It is also good to check the shipping times , which can usually be a relevant data to understand if a product is imported or comes from Italy: in itself this information is not a problem, but it could be in case of assistance and repairs. .

A final fact, which can help you understand if a site is reliable, is to consult the opinions of other users on the portal used for this purpose, such as TrustPilot , where you can read the reviews of other buyers who have used that specific online store. .

If, instead, you want to play it safe, you can rely to large e-commerce portals, such as Amazon , or consult the Web sites of comparison of prices , as  Pagomeno ,  TrovaPrezzi , Kelkoo or Idealo .

Pay with credit card

When you purchase a product online, you are asked to enter your credit card information. Usually, the most popular circuits are Visa or MasterCard , as they are the most widespread and adopted by the main banking institutions.

Unlike traditional payment methods, such as bank transfer, purchasing by credit card is much simpler and more immediate. When you have chosen a product in an online store, it is placed in a  virtual cart , through which you can checkout to complete the transaction and receive it comfortably at home.

The information you are asked to complete the payment is shown on your physical credit card. In fact, you must fill in the text fields relating to the name and surname of the cardholder, the card number , the expiry date , the three-digit CVC / CVV code that you find on the back and possibly an email address to receive the certificate of completion. transaction.

For some credit cards, the required data are not limited to those shown in the lines above. If you have activated a protection system for online purchases, such as Verified by Visa or MasterCard SecureCode , to complete a payment, you may be required to enter a password or mobile number and a disposable token that you receive via SMS (I told you in detail about this system in my tutorial on how to activate 3D Secure ).

I also remind you to check the contractual conditions of the credit card, in order not to incur any limitations on the quantity and amount of transactions that can be carried out daily or during the month.

Pay with other tools

In addition to the payment system that I indicated in the previous paragraph , there are other tools that you can use for online purchases, such as prepaid cards or virtual credit cards .

The prepaid cards work the same way as a credit card but, unlike the latter, are not associated with a bank account. An example of a prepaid card is Postepay , but there are several, issued by other banking institutions.

In addition to those indicated in the lines above, there are other solutions made by other institutions, such as the prepaid cards made by PayPal , HYPE of Banca Sella , N26 and Buddybank of UniCredit . All these solutions allow, in most cases, to have a credit card on the MasterCard circuit free of charge and at low cost, to also make online purchases.

In addition to these solutions, some institutions allow, through home banking, to create virtual credit cards that work like a normal credit card, but that can only be used for one transaction and with limited amounts. Thanks to this type of credit card, you can stay safe during an online purchase, because there is no risk that the data can be reused by some attacker.

Online scams: how to avoid them

If it is important to make an online purchase for convenience and savings, it is equally important to protect yourself from possible scams. In this paragraph, I will take care to give you some tips on how to avoid falling into these cunning computer tricks.

The first thing I recommend is to read the previous paragraph , in case you haven’t paid attention to it, where I told you about the reliability of the websites on which to shop online.

Another relevant element is that relating to some online shops or sellers who demand non-standard forms of payment at all costs . For example, those who claim to carry out the transaction via cryptocurrency or those who require a recharge of their prepaid card , instead of using the classic payment by credit card (I told you about it in this paragraph ).

If you buy a product from a private seller, it prefers as a payment method the mark , which protects both parties in case of fraud, or other means of protection, such as PayPal (which allows you to receive reimbursement for scams).

Also, if you are unsure of the reliability of an online store, use a prepaid card instead of your credit card, simply top it up with the amount needed to validate the purchase.

Finally, protect yourself from various phishing attempts , which are intended to trick you into opening a link contained in an email you received. The purpose is precisely to pretend to be a banking institution, an e-commerce site or a shipping courier, to put the scam into practice. In these cases, delete the emails without sending any data relating to your payment methods or identity documents.

If you receive an email that could be real, my advice is to personally contact the sender via email or phone number found on their official website or log in with your credentials to the web panel (type the website directly into the bar browser addresses) and check the status of the order or your services. What I recommend is, in any case, never to open any links or click on buttons that you find in an email received of dubious origin.

In my tutorial on how to recognize a fake site , you can find more information on how to identify sites made for phishing purposes and avoid them so as not to fall into scams.

Get paid by credit card

If, on the other hand, your intent is to get paid by credit card , it is because you are a seller and, most likely, you intend to sell your products through an online store.

If you have created an e-commerce site , you will be interested in knowing how to implement a payment service by credit card ( gateway ): in these cases, I recommend that you contact the bank where you opened the company account directly, in in order to check the costs and procedures for implementing this service in your online store.

If, after consulting with the bank, you realize that the implementation of such a system may be complicated for you, I recommend that you rely on intermediaries. For example, PayPal allows you to complete transactions on online purchases either through your own account or by credit card, for those who do not have a PayPal account. I told you about this topic in this guide of mine .

In addition to the service I told you about in the lines above, there are other intermediaries such as Amazon through its Amazon Pay service or Stripe and Shopify .

Are you a private individual? In this case, if you want to receive payment digitally, you can use PayPal , which allows you to send money for the purchase of goods between users who have a virtual account with this operator.


by Abdullah Sam
I’m a teacher, researcher and writer. I write about study subjects to improve the learning of college and university students. I write top Quality study notes Mostly, Tech, Games, Education, And Solutions/Tips and Tricks. I am a person who helps students to acquire knowledge, competence or virtue.

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