Be careful when paying online
You pay for your online purchases in different ways. But not everyone is equally safe. If something goes wrong, you can only get the money back sometimes.
Consumer advocates advise always buying on account, not in advance. You only pay when you have the goods and they are in good condition. With the option you have the least trouble. However, many shops do not offer this.
The direct debit is also secure: You can book money back for eight weeks in the event of fraud. This also works when paying by credit card. Nevertheless, you should be careful with which providers you leave your card details.
You can only undo transfers within one hour. This also applies to Giropay. With money transfer services like Western Union, you only get money back if the recipient hasn't picked it up yet.
With cash on delivery you give the money to the parcel carrier. That's pretty safe. However, you still don't know what's really in the package.
With Paypal or Klarna you are protected by buyer protection. However, he does not always jump in. If the seller has proof of postage but you don't have a package, you're often out of luck.
