When we think of online shopping, what usually comes to mind is shopping done with a credit card.
So can customers who do not have a credit card, but do have an ATM card (debit card), shop online?
Of course, shopping online with an ATM card is possible. You do not necessarily need a credit card to take advantage of the convenience that e-commerce offers.
So is shopping with a debit card different from shopping with a credit card?
We can say it is almost identical to shopping with a credit card. When shopping on an e-commerce site, you simply click the "Pay with debit card" option during checkout. On online shopping sites that offer this option, you can complete the purchase by entering your card details.
Where is the transaction amount deducted from when shopping with an ATM card?
This is where the difference between a credit card and an ATM card appears. When you make a transaction with an ATM card, your account must have a balance at least equal to the purchase amount for the transaction to be successful. Otherwise, the transaction will not be approved.
Can I make an installment purchase with an ATM card?
No. Online purchases made with an ATM card are always processed as a single payment, not in installments.
Are online purchases made with ATM cards secure?
Just like credit cards, ATM cards also support 3D Secure or secure payment infrastructure. This means transactions can be carried out securely with ATM cards as well. The most important point here is that the e-commerce site where you are shopping must support the 3D Secure payment system. Otherwise, regardless of whether the card itself supports 3D Secure, the transaction will be processed without 3D Secure.
My ATM card was stolen. Can it be used for online purchases?
There are two important points to consider here.
- If the merchant has 3D Secure infrastructure, a verification code will be sent to your mobile phone before the transaction, so the transaction cannot be completed without this verification code.
- If the merchant does not have 3D Secure infrastructure, the transaction can be carried out without your knowledge. If you dispute the transaction, under chargeback rules, since the transaction was not carried out as 3D Secure, the liability falls on the merchant and a refund is issued to the card.
