Which payment option should I use?

 

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Which payment option should I use?

A small pile of credit cards

What's coming up

When you buy something or try to pay a bill online, you'll often be given options about how you want to pay. Which one is the best for you?

In this activity, we're going to look at trust and how that affects which payment method you choose.

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Understanding trust

The way you pay should depend on how much you trust the website. If it's a company you've had a long relationship with, like your bank, telephone or electricity company, then any payment method should be OK.

If it's your first time with the website, then you need to take precautions, which we'll explore later in this activity.

A woman looks concerned as she looks at her tablet while sitting in a cafe
A purchase is being made using a tablet and a credit card

Buying from a trusted company

If you're buying from a company that you're sure about, then you can choose whatever payment method is most convenient for you.

Credit card, PayPal and direct deposit are all OK, because you know that, if there's a problem, then you can contact the company and sort it out.

Buying from a website you're not 100% sure about

If you are buying from a website you’ve never dealt with before, it’s best to use credit card, or even better, PayPal.

Credit cards and PayPal have a special kind of buyer protection, where you may receive a refund if things go wrong. Even if the website refuses to give you a refund, your credit card company or PayPal may still reverse the charges. That way, there's less risk for you.

Shows a website being viewed on a laptop while a mobile phone is being used to look at PayPal

Signing up to PayPal

Let’s look at signing up to Paypal together. In this next exercise, we are going to help Tony sign up for a free personal account.

On the next slide is a practice that includes some steps to try yourself. Select the Continue button below to begin and then follow the instructions on the right hand side of the screen.

Signing up to PayPal

Signing up to PayPal

This is an interactive activity that allows learners to practise signing into PayPal. This activity has no sound track and is made up of a number of images and text instructions with opportunities for the user to enter text or click on links as part of the exercise to sign up to PayPal.

This is to encourage confidence using the internet by practising a simple exercise in a simulated environment.

If a mistake is made during this exercise, there will be a prompt to ask you to try it again. If another mistake is made, the video will show you how to complete that section of the exercise.

Going shopping

Let's looks at how Mary pays for a DVD she wants to buy online.

Click continue to watch the video on the next screen.

Making a payment

Let’s help Marion make an online payment for a new gardening book.

On the next slide is a practice that includes some steps to try yourself. Select the Continue button below to begin and then follow the instructions on the right hand side of the screen.

Making a payment

Making a payment

This is an interactive activity that allows learners to practise making an online payment. This activity has no sound track and is made up of a number of images and text instructions, with opportunities for the user to enter text or click on links as part of the exercise to make an online payment.

This is to encourage confidence using the internet by practising a simple exercise in a simulated environment.

If a mistake is made during this exercise, there will be a prompt to ask you to try it again. If another mistake is made, the video will show you how to complete that section of the exercise.

Two ladies take a photo of themselves with their tablet while they are out for a walk

Congratulations!

Well done, you've come to the end of the Which payment option should I use? activity.

You've learnt which payment options to use at familiar and trusted websites, as well as those sites you don't know very well. You will also know that there are consumer protection codes in place to lessen the risk of buying online.

Just like any kind of shopping, however, online shopping may sometimes go wrong. The next activity, What happens if the goods don't arrive?, looks at what to do when this happens.