E-payments

Most online shoppers use credit cards to pay for their online purchases. But debit cards - which authorize merchants to debit your bank account electronically - are increasing in use. Your debit card may be an automated teller machine (ATM) card that can be used for retail purchases. To complete a debit card transaction, you may have to use a personal identification number (PIN), some form of a signature or other identification, or a combination of these identifiers. Some cards have both credit and debit features: You select the payment option at the point-of-sale. But remember, although a debit card may look like a credit card, the money for debit purchases is transferred almost immediately from your bank account to the merchant's account. I

· Use a secure browser (a browser is the program that displays the web-page on the users screen). Make sure that it encrypts or scrambles the purchase information you send over the Internet - to guard the security of your online transactions. Be sure your browser has the most up-to-date encryption capabilities by using the latest version available from the manufacturer. You also can download some browsers for free over the Internet. When submitting your purchase information, look for the "lock" icon on the browser's status bar to be sure your information is secure during transmission. When using technologies like digital certificates, make sure that you keep your certification up to date.

· When using technologies like digital certificates (more on this later) , make sure that you keep your certification up to date. It is will be difficult to convince customers that your website is safe if your certificates are not digitally signed and up to date. Standards like X.509 for browsers are in place for a reason and that is to keep your business digitally safe. Fail to use these and you e-commerce will not go as well as you anticipate.

· Build the trust of the consumers that you are trying to do business with. Do not ask the customer to reveal to much information to the business. Most Customers are not fond of having to disclose much information about themselves. Keep it simple and the information relevant to what is needed for the transaction.

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