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Type of Online Payment

发布时间:2017-04-07
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Debit card

A debit card is a plastic card issued by banks to customers. The card allows instant purchase, removing the correct balance from the user's attached bank account. Debit cards are distinct from credit card in that they allow purchase based on available funds in the account to be deducted immediately, instead of by using a line of credit that can be repaid at a later time. Most debit cards have two features:-

  • The ability to purchase items at stores that have automated debit or credit card machines
  • The ability to withdraw cash from your bank account at an automatic transaction machine. They are available in most countries of the world, and have nearly supplanted the use of checks in the United States. However, the cards possess many dangers to the user, both in terms of possible identity thief and unexpected bank fees.

Advantages

  • No need to worry about losing cash
  • No need to carry cash
  • If stolen or lose need your PIN number to access your funds.

Disadvantages

  • you must keep accurate records
  • Must record each transaction so you will know what your account balance is at all times.
  • If you do not keep records you run the risk of overdrawing your account which will result in bank fees

Cheque

A cheque is defined as bill of exchange drawn on a specified banker and not expressed to be payable otherwise than on demand. In other words, it is a Bill of Exchange drawn on a banker which is payable on demand.

Cheques have various types which are:-

  • Bearer cheque
  • Order cheque
  • Open cheque
  • Crossed cheque

Advantages

  • More Security
  • Can't be cashed at unsecure area.
  • Only person that is signed to can cash it

Disadvantages

  • Must wait for bank to open
  • There might be a certain date when you can cheque it
  • Only person that is signed to can cash it

PayPal

PayPal is the faster, safer way to pay and get paid online. The service allows members to send money without sharing financial information, with the flexibility to pay using their account balances, bank accounts, credit cards or promotional financing.

Advantages

  • Immediate and convenient.
  • Payment is deposited directly into the seller's account.
  • You can pay directly from the item listing page.
  • No requirement that you use your credit card
  • Sellers don't see your credit card number, which limits the risk of unauthorized use.
  • Automatic payment tracking.
  • PayPal Buyer Protection offered on qualifying items - up to $1,000 in free coverage.
  • Additional limited protection offered through PayPal's Money Back Guarantee.

Disadvantages

  • Payment is difficult to recover in cases of fraud.

Recommendation

Paypal is the type with a recommend payment because it Provide secure payment without requirement of using a credit card, automatic payment tracking. Paypal provide high level of security that seller cannot see the buyer credit card number.

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