There are now quite a few payment providers that make their services available to customers. To find the right one, various factors need to be weighed: does it require an account? How secure is the payment method? Are there enough stores that accept the provider? Choosing a payment provider is therefore not easy. In this article, we present some of the best-known ones and report on their advantages and disadvantages.
Paysafecard
Paysafecard is a prepaid card that can be purchased at gas stations, drugstores, kiosks and other stores. The customer pays real money for the corresponding balance on the card and receives a sixteen-digit PIN which is entered during transactions. It is not possible to purchase more than 100 euros. The MyPaysafecard app, however, makes it possible with one registration to manage multiple PINs and thus accumulate credit worth 5000 euros. The limit for a single payment is 1000 euros. Paysafecard is accepted in over 40 countries. Through a small detour, it is possible to pay with it in various online stores, even if Paysafecard is not listed there as a means of payment. To do this, you have to call up the Paysafecard store, scroll down and select the respective logo, for example, from Amazon. Afterwards, a voucher with a value of 5 to 50 euros can be selected which is issued against Paysafecard credit. The voucher can then be used to pay in the Amazon store. Paysafecard is also often used in online casinos, as the payment method is very secure because it is not linked to one’s own account and personal data. Of course, it is still recommended to play only in reputable and licensed online casinos. Those who find it difficult to make a decision for a provider can use comparison portals. These are free of charge and allow you to get an overview of different online gambling halls, their bonuses and their range of games with just one click. This way, even laymen can quickly find the casino with the best no deposit casino bonus online.
PayPal
In order to use the US payment service PayPal, a prior registration is necessary. Then, the own bank account is linked with the PayPal account and for future transactions, only the mail address and password are needed to quickly process payments. Thus, you do not always need to know your bank details to pay. PayPal is now accepted in almost all online stores. In addition to instant transfers, it also offers the option to pay in two weeks or 30 days or to pay in installments. However, if fraudsters get hold of one’s password, they also have access to the bank account of the concerned person. It is therefore important to choose a very secure password and keep it secretly. It is also advisable to install security software on the laptop or cell phone so that no spy software can run in the background to intercept the password during digital payments. PayPal also offers buyer protection, so you can get your money back if the goods are not delivered. The payment service thus acts as an intermediary between merchant and customer. Another advantage of PayPal is that payments to friends or acquaintances can be made quickly and free of charge. All that is needed is the email address associated with the account to send money which instantly ends up in the other person’s account. If money has been sent to the wrong person, however, PayPal’s buyer protection does not apply.
Klarna
The Swedish online payment service Klarna is best known in the field of paying on account. Different options offered to pay invoices are instant transfer, pay 14 days later or via installment. To pay with Klarna, no registration and account opening is necessary. Those who buy on account with Klarna can transfer the payment with their online banking data. After 12 days, the customer receives a reminder that the payment is due. The goods are shipped immediately, even if the invoice is paid later. Klarna also advertises buyer protection and mediates between merchants and customers during payment processing. Since Klarna does not require the opening of an account, no personal data is stored that could fall into the wrong hands. As with all online transfers, only the usual caution is required.
