Using a debit card to pay online is straightforward as long as you’ve got the plastic handy and are comfortable making virtual transactions — though paying with a credit card may be safer.
You’ll need to reference your physical debit card when using it to make a purchase online. After entering the digital shopping cart on the vendor’s website:
 |
|
The name you enter should match your name as it appears on the debit card. Merchants use this to cross-check your information with the card provider’s records.
Simplii No Fee Chequing Account
Using a debit card to pay online is generally safe with a secure internet connection. In 2019, online sales accounted for an estimated 9% of total retail sales in Canada. Consequently, the safety infrastructure in place is growing stronger.
Here’s what you can do to verify security:
Remember that there are always risks associated with making debit card payments, and it’s likely easier for thieves to intercept your information online than in person. If hackers do get access to your debit card information, they could steal funds from your chequing account.
If you see fraudulent activity on your account via your debit card, report it immediately. Contact your bank as soon as you notice the activity. You can also report it to the Canadian Anti-Fraud Centre. If you’ve been the victim of debit card fraud, see our guide on how to get a refund on a fraudulent transaction.
In general, using a credit card for everyday purchases is less risky because credit cards aren’t linked directly to your bank account. This means you can cancel a transaction before the money is withdrawn from your personal account.
Credit card companies tend to be more lenient with fraudulent transactions, with some providers offering zero-liability for their cardholders, meaning that you aren’t responsible for fraudulent activity if someone steals your card information. Some credit card providers also offer extended warranties on purchases.
If using a debit card is your only option to make a payment online, make sure you’re comfortable with the risks associated.
Related: Chequing accounts in Canada
Using a debit card is convenient and generally safe, although not risk-free. If you’d rather use a credit card, find a provider that offers perks and rewards that work best for you.
Your guide to the best virtual debit cards in Canada, how they work, and their pros and cons.
When and why to use a charge, credit or debit card.
Get competitive exchange rates and pay no foreign transaction fees when you spend money internationally with this fee-free debit card.
Use this versatile Scotiabank Debit Card to earn points and make purchases online.
Apply for a debit card with this Big Five bank to make purchases online or in-store directly from your bank account.
Take preventive measures to avoid having to worry about your debit card being declined.
Make sure you have one of these debit cards before you travel overseas.
Linking your debit and credit card to your PayPal account can save you time when shopping online. Here’s how.
Convenience fees can apply to debit card transactions as well as credit card payments, but only a small number of select merchants can legally charge them in Canada.