Believe it or not, there are some web users who have never had to face the prospect of making an e-payment. There are also some who, after a bad experience, are determined to avoid making e-payments at all costs.

If you fit either of those descriptions, or you simply want to know more about making payments online conveniently, easily, and safely, you have come to the right place.

The Ultimate Easy Guide to Making An E-Payment

General Tips: a Good Foundation

There are a couple of tips for making e-payments that are important, regardless of whether you use a prepaid card, a debit card, a credit card, or other option. Following them could improve your online safety.

• Ensure the site on which you want to make an e-payment is legitimate. Check for licensing numbers, check for endorsements, and read customer reviews.
• Ensure the site uses the latest 128-bit SSL or other data encryption technology to protect your personal and banking/payment details.

Credit/Debit/Virtual Card E-Payments

Credit cards are a preferred e-payment method for many, while others prefer virtual credit cards or debit cards.

• Banks and other card issuers generally do not charge additional fees for using a credit, virtual credit, or debit card.
• Many merchants charge a small processing fee on these cards.
• Keep your PIN number, CCV number, reference number, card details, and personal details safe.

E-Wallet E-Payments

E-Wallets such as Neteller, Skrill, and others are growing in popularity as an e-payment method. Your account acts as a digital or virtual wallet that is connected to your bank account.

• Most reputable e-wallet service providers charge a small processing fee on deposits and withdrawals. Most merchants do not charge processing fees for payments made using e-wallets.
• E-Wallets eliminate the need to supply your banking or credit or other card details every time you need to make an e-payment. You simply need to confirm your payment by logging into your e-wallet and selecting the Pay or Pay Now option, and it should be processed instantaneously.

Other E-Payment Methods

Other popular e-payment methods include mobile billing and direct deposits. While mobile billing payments are processed almost immediately, direct deposits may take a few days.

Mobile billing sees the payment amount added to your phone bill or deducted from your credit. Direct deposits, while reliable, not only mean needing to supply the merchant with your bank details, but also waiting longer than is necessary.