How to Keep Your Online Payments Safe. Tips from VALUT.NET

27 March 2025 | 13:00

Online shopping is a daily routine — whether you’re ordering groceries, watching a new series, or grabbing a ride to work. But with every card number you enter, there’s a risk your data could end up in the wrong hands.

Here’s how to keep your transactions secure and avoid unnecessary risks.

Use Virtual Cards for Extra Protection

If a website seems unreliable or you don’t want to link your main card to insecure platforms, a virtual card would be the safest choice.

If anything went wrong, you could instantly block it — no need to worry about your primary account. And if everything worked smoothly — great, but it’s important to keep your main card secure.

You can block a virtual card or issue a new one directly in your bank’s app — it usually takes just a couple of minutes.

Set a Spending Limit

If online shopping on payday seems too tempting, set a spending limit on your virtual card — this would help keep your budget under control.

Most banks allow daily or monthly spending caps. Once the limit was reached, further transactions would be declined — helpful for managing expenses and avoiding impulse purchases.

Use a Separate Card for Subscription

Movies, music, Zoom — every service requires a subscription and wants you to link your card for as long as possible.

If subscriptions keep auto-renewing unexpectedly, a dedicated virtual card would make payments easier to track.

VALUT.NET virtual card would solve the problem — you could even use it to pay for ChatGPT (fun fact: this article was written with its help).

Virtual cards not only make your life easier and safer. Setting spending limits and separate cards for online purchases protect from leaks and fraud.

Because being financially savvy isn’t about having endless cards — it’s about knowing when to say no to that tempting flash sale.