The key security guards in credit cards online processing are:

• Authentication process.

• Verification processes.

These 2 steps dismiss almost most of the online fraud activities associated with credit cards online pirating. However when your credit cards online are being transacted chances are less for the merchant to verify the signature behind your credit card and he has no chance to verify your photograph with the person entering the verification code of the credit cards online to make a purchase. So, do not entertain anyone other than you to process your cards and do not let them know the verification code and internet banking passwords related to your credit cards. What is a charge back?

If you have made any online purchase with your credit cards and the merchant has legally made a documented sale to you stating that you can get your money back; you can charge back the merchant and have your money refunded to your credit card in case you prove you are not satisfied with the service or product purchased. But this is a pretty time gulping process, but you can still use your credit card payment for your proof to get back the money and in some cases when the complaint is proved the merchant’s account gets auto debited for the particular amount that he owes to you.

This is of course time consuming in deed and most credit cards online transactions are not charged back because users do not waste their time on asking for it rather they loose the money due to laziness! Ensure if your card details is swiped to avoid dual swiping for the same payment! In some cases when you are processing your credit cards online to pay some bills you may not get correct bills immediately and you might have swiped twice paying the same bills twice.

In such cases you can immediately call to the credit cards customer service to stop the payment or you can claim a charge back in case the bill has been paid twice for the same product!

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