Is it safe to pay with a bank card on Aliexpress? What is the security code on Aliexpress when paying by credit card? Why do you need to indicate a security code on Aliexpress? Is it possible to enter a bank card security code on Aliexpress? Social

Greetings, dear readers. In this article I want to cover the following question: paying for purchases on Aliexpress with plastic cards.

Payment on Aliexpress

There are many ways to pay for your purchases on ALIEXPRESS, but personally I choose to pay with a plastic card, and the card can be any, like VISA, MASTER CARD, MAESTRO.

Why this particular method you ask. Because the bank is more reliable than any other organization. No payment system can be more reliable than a bank. But the most important thing is that there are fewer problems with paying by card, or rather there are none at all, which cannot be said about other methods, for example, people often complain about qiwi, they supposedly paid, the money was withdrawn, but the order was not paid and then they sit with a headache. Bank cards have only a few nuances, which I will now describe to you.

ATTENTION. The MOST important rule is never use your salary card!!!
There are many alternatives to replacing a salary card, I personally use the corn card, which I purchased on the Euroset, its main advantage is that it is easy to top up and that you are notified about your account status via SMS for free.

Often people try to pay with a card, which has a lot of money and everything seems to be in order with it, but the payment does not go through, and in response when paying they receive a message similar to the one in the picture (it will enlarge when clicked)

The thing is that not all cards have the ability to pay via the Internet; this mainly happens on salary cards. This is done for your own safety, for example, you lost your card, and someone will find it and pay with it on the Internet.

What to do in this case? Call your bank's hotline and ask how to activate the Internet payment service. Then connect and you can use it. Or, as I wrote above, get yourself a separate card for online payments.

How does payment work on aliexpress?

After you proceed to payment and select the card payment method, the following window will pop up in front of you. click image to enlarge

everything is clear here, enter all the data

ATTENTION, PAY A LOOK AT THE AMOUNT YOU NEED TO PAY (in the picture above you can see what currency and amount), IT HAPPENS THAT DUE TO YOUR NEGLIGENCE, YOU CAN PAY A COMPLETELY DIFFERENT AMOUNT (for example, an additional delivery fee)

Check and click pay.

After the payment has gone through, your payment will be checked within 24 hours, the check was introduced so that suddenly the card owner lost the card, and someone found it and decided to spend all the funds, so Aliexpress is waiting another day, that is, it gives a chance If you lose your card, block it and freeze all payments.

Many will say, what about kiwi, it’s supposedly convenient. But I answer everyone, if you want to cause problems, get yourself a QIWI.

That's basically all I wanted to convey to you regarding payment. And finally, I’ll say, don’t let your guard down, keep an eye on your orders.

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The popularity of online shopping is increasing every day. The largest trading platform offering goods from China is. The trading platform presents products from many stores in a wide variety of directions.

The defining moment of making a purchase is payment for the order. One of the popular and easiest ways to pay for a purchase is to transfer money from a bank card. Why? First of all, it is safety. Access to your card data is closed to both the seller and other third parties. In addition, refunds are faster than when paying by any other method. You can pay for purchases using VISA, MasterCard or Maestro cards.

How to pay by card for an order on Aliexpress

You have looked through the products you are interested in and made your choice. Place items in your cart, fill out the required fields and place your order. Now you have come to the payment stage.

Selecting a payment method

• Press the “Pay Now” button.
• A new page opens on which you select a payment method for your purchase. Select payment by card and card type (VISA, MasterCard or Maestro).

Entering payment details

• Next, if payments have not been made before or you want to use a new card, fill in the free fields: first and last name of the card owner, its number and expiration date, as well as the CVV code. If you have already made a payment using a card and the transaction was successful, the previously listed fields will be filled in automatically.
• Click the “Pay my order” button.

The money will be debited from your account, but payment will be “posted” within 24 hours.

Payment by card on Aliexpress: security

Many buyers, when paying for orders by transferring funds from bank cards, are concerned about the security of such transactions, because the person enters all the card details. Transactions are safe, but there are several rules that, if followed, will protect you from the tricks of scammers.

• Never give your card details to the seller. Neither at the stage of confirming the order, nor when paying for it, as well as in the event of opening a dispute, he will not see these details on his own.
• If you receive a pseudo-official message via email asking you to follow the specified link and enter your card details, do not do this under any circumstances. The site to which you will be redirected usually has a name similar in spelling to the real one, so not all users notice the catch. The data is entered - the money is irretrievably lost.
• Do not fall for the seller’s tempting offer (in case of returning the goods) to transfer the money directly to your card, and perhaps also with a bonus for the inconvenience caused. You will provide your card information and you will no longer see your money on it.
• Do not refuse the services of your bank to ensure the security of payment transactions - SMS notifications, limits.
• For online purchases, it is better to have separate cards with moderate amounts.

Online shopping and paying for orders using bank payment cards is an opportunity to make purchases with maximum comfort. If you are careful and do not blindly trust all offers, there is practically no risk of falling for the tricks of scammers.

Many buyers Ali express are concerned about the security of payments when paying for an order. And almost everyone has a question: how else can you safely pay on Ali express?

When making payments through payment systems such as Yandex money, QIWI, WebMoney or mobile payments, questions about security generally do not arise since the amount of money in the accounts is usually as much as is needed to pay for the order, and payment protection has long been brought to a high level. But not everyone knows how to use these payment systems; many have problems when depositing cash into their account or are simply put off by the various fees for replenishing their account.

Therefore, you often have to pay using a bank card - it’s safe to pay, it’s clear, and money can be deposited into your account quickly and without interest fees.

But if the first option is not for you, and in the second you are still afraid to pay with your salary or credit card or do not want to attach the same cards to then the following information is just for you:

I will still advise you to use a bank card, but not your credit or salary card, but a card for making electronic payments.

Now many banks provide this service. You receive an ordinary plastic bank card, which looks no different from others. But this card has many advantages.

• Firstly: Servicing these cards is free (the bank is happy that you make payments through them).
• Secondly: This is the same bank card with payment protection using SMS passwords.
• Third: Deposit cash onto such cards without commission at ATMs of the same bank. And if you have a salary card from the same bank, then you can also transfer the required amount at home for payment through an online bank, without interest.
• Fourth: Even if the data on this card is stolen from you, they will not be able to write off the money, since it simply is not there until you deposit the required payment amount. And these cards never go negative! And the list of transactions available with this card provides only electronic payments.

But there is, of course, a downside to these cards: withdrawing cash from such cards at ATMs is not advisable and is accompanied by a huge commission for one transaction. Therefore, simply top up the card with exactly the amount necessary to pay for the order. But even if the money remains, it will be stored there until the next payments or until you decide to close the card completely.

Detailed conditions for issuing and servicing cards for electronic payments are different in each bank. I advise you to first clarify the terms of service for these cards at a bank convenient for you, and then receive a card.

Here are several banks that issue cards for electronic payments:

Sberbank of Russia: cards " Momentum » Visa and MasterCard

http://www.sberbank.ru/ru/person/bank_cards/debet/universal/momentum

Gazprom Bank: cards Unembossed

http://www.gazprombank.ru/personal/bank_cards/cards/285476/

The list of banks providing this service is huge! Perhaps your bank also provides this type of service.

And now, information for the laziest or for those who are completely afraid to have a plastic card in their hands. There are several payment systems that provide the right to receive virtual bank card! You won't even be able to hold this card in your hands! Under certain conditions, the payment system will open you a virtual bank card for electronic payments. You will be given a card number, a secret CVC/CVA code (3 digits), and the owner’s first and last name. Having this data, you will be able to pay for any orders in any online stores. These cards are in no way inferior to plastic bank cards in terms of security. You can top up your card account in various ways:

• through a payment terminal,
• in cell phone stores,
• Bank transaction,
• transfer of money from the same payment system.

The only drawback is that when replenishing your account, a commission may be charged. Unlike bank cards, these cards are issued with a validity period of no more than one year.

Services of virtual plastic cards:

Sberbank of Russia Virtual cards Visa and MasterCard

http://www.sberbank.ru/ru/person/bank_cards/debet/universal/virtual

Gazprom Bank Virtual cards Visa WebCard / MasterCard WebCard

http://www.gazprombank.ru/personal/bank_cards/cards/169381/

Russian Standard Bank « Virtue card »

http://www.rsb.ru/cards/virtu_card/

Among the large number of ways to pay for purchases on Aliexpress, there is one that is quite familiar and convenient for many - payment with a Sberbank bank card. When paying for goods on the world-famous trading platform with a Sberbank card, a reasonable question arises whether it is safe to make payments via the Internet and whether such purchases will not threaten your bank account.

How to pay for a purchase with a Sberbank card?

Having decided on the product, its characteristics and quantity, you can proceed to payment.

To do this, you need to either send the item you like to the cart and finish checking out the item there, or immediately click “buy now”.

In both cases, a form will eventually open that will need to be filled out for the order to be processed.

You need to enter simple data - first and last name, full address.

Important!

You need to enter words in English letters, transliterated. If there is a problem with translation, you can use Google Translator.

Important!

The address and personal data must be real, otherwise the purchase will arrive at an incorrect address unknown to the person. It is desirable that the data specified in the form and the data on the card match. This will be a kind of guarantee that the store’s security system will not reject the payment as suspicious.

The next step is to check the order details. Here you can leave a comment for the seller.

And the last step is choosing a payment method.

Sberbank cards can be either Visa or Mastercard. Therefore, select “Use Visa, Mastercard”

You must enter the card number, expiration date, security code (located on the back of the card) and first/last name exactly as they appear on the card.

All you have to do is click “Confirm and pay” and the order will be processed by the seller.

How safe is it to pay on Aliexpress with a Sberbank card?

Many Aliexpress buyers are worried about leaving their bank card information in the online store.

The question arises: “Can outsiders access and use this information?”

As for payment within the store, the answer is clear - "NO!"

• Firstly, payment for the goods does not go directly to the seller. The money remains in the account of the online site until the customer confirms receipt of his parcel. Only after this the money will be transferred to the supplier.
• Secondly, Aliexpress is a huge conglomerate that has been building its reputation for years and it is not in its interests to leak the data of its customers. Information about money transfers is carefully protected and is under no circumstances passed on to third parties.

It is from the trading platform that you can be absolutely calm about your bank account and confidently pay for purchases.

Important!

Despite the security of transfers within the Aliexpress-Sberbank system, there is still a possibility of third-party intervention. Fraudsters do not sleep and are constantly improving their tricks.

Precautions when paying with a Sberbank card on Aliexpress

To make payments with a Sberbank bank card on Aliexpress as secure as possible, you need to adhere to the basic rules of online payment.

1. Always carefully check that you are on Aliexpress. On the Internet you can often come across sites that are lookalikes of popular online stores, created by scammers.

This is what the real address of the Russian-language version of the trading platform looks like.

2. If you access the trading platform through CashBack services or any other extensions, make sure that the link is to Aliexpress. The same applies to the mobile application. If you have doubts about a partner site that offers discounts or refunds of part of the money spent, it is better not to use it.

3. Enter your bank card details only in a special form on the website.

4. Do not tell anyone your card PIN code. No online store will ever ask for this information.

5. Get extra protection. For example, Sberbank has a mobile bank. Each transaction with the account is accompanied by an SMS notification.

6. For the most secure purchases, you can order an additional debit card from Sberbank. Top it up for online purchases and do not store large amounts.

Unforeseen situations when paying with a Sberbank card on Aliexpress

Even if all precautions are taken and payments are carried out as safely as possible, unforeseen situations may occur.

For example:

1. When paying with a Sberbank bank card (as with any other card or any other method), each payment is verified within 24 hours. The required amount is frozen in the account and if the payment is deemed safe, it is debited in favor of the trading platform.

But there are situations when the security system recognizes the payment as potentially threatening or made fraudulently. This could be if:

• Pay with a card in one name, but the delivery details will be different.
• When paying by buyers with low ratings.
• The security system checks new users more thoroughly.

If the payment was rejected, after a while it will be transferred back to the bank account.

2. The card was stolen/lost and someone is trying to make a purchase with it.

In this case, the only way out is to immediately contact (call or come) to Sberbank and report the situation. The card will be blocked and no one will be able to use it to their advantage.

As a result, answering the question: “Is it safe to pay with a Sberbank card on Aliexpress?” one might say that yes, it's safe. You just need to be as attentive as possible and then your purchases will bring only joy and no excitement or grief.

More and more people are turning their attention to online shopping. This is quite natural, because shopping in online stores has a number of undeniable advantages over offline stores. For example, on the Internet you can find a quality item at a good price, and you can make purchases while sitting comfortably on the sofa with a cup of aromatic tea. In addition, it takes much less time to find the desired item than when shopping, and given the intensity of modern life, this is a very important aspect. However, it is important to remember that the popularization of online shopping has attracted scammers, of whom there are more and more. That’s why we decided today to touch on a very pressing topic: can you trust Aliexpress and how to avoid getting into unpleasant situations.

First, let's figure out what Aliexpress is. Imagine a huge huge shopping center that rents out retail space. There are thousands of thousands of tenants in this center, of course, among them there are very decent people, but there are not so many, sometimes there are real swindlers. Therefore, Aliexpress, for its part, made every effort to protect buyers.

Seller rating

Any store on Ali starts its work initially with a zero rating. Gradually, the rating is formed from customer reviews. It is important to understand here that a seller who has just opened his store will try to display the goods as cheaply as possible in order to quickly attract buyers. Sometimes beginners trade at a disadvantage, just to somehow break through among the huge number of highly rated competitors. However, this obvious scheme did not go unnoticed by scammers. In pursuit of cheapness, you run the risk of purchasing an extremely low-quality product, which will immediately go into the trash bin upon receipt. However, because the product will correspond to the description, it will be difficult to win a dispute with the seller.

So, tip number 1. Place your order from sellers with good ratings. Here, of course, it is also important to understand that you will not find the notorious 100% from any seller, such is human nature, the one who is guilty does not always receive punishment, often the one who can be punished receives punishment. Thus, even the most honest and hardworking sellers sometimes pick up negative reviews for something that, by and large, they have nothing to do with. For example, for the poor performance of the Russian Post. In general, if the seller has negative reviews, among a large number of positive ones, look at why the rating was reduced and try to adequately assess whether it is the seller’s fault or not.

Consumer rights Protection

Thanks to the fact that Aliexpress took maximum care of its customers, it became so popular. Ali is good because he doesn’t force you to take care of your money yourself - with the help of a well-developed sixth sense, third eye or mega-negotiator talent, thanks to which you could awaken a conscience in scammers, especially since such people do not have one. Aliexpress deals with unscrupulous sellers on its own, so you have a guaranteed reliable opportunity to get your money back in case of a scam. By the way, in case of controversial situations, the aliexpress service is still on guard and acts as an arbitrator in the dispute, helping to resolve it fairly.

How does the buyer protection program work?

After you have paid for the goods, the seller begins processing and shipping the order; the processing time for each seller is different, from several days to several weeks. Prepayment saves the seller from the risk of non-payment for the goods. However, do not worry, your money does not immediately go to the seller, but is stored in the Aliexpress account until you confirm receipt of the order.

However, due to the fact that not all buyers in good faith immediately close the order upon receipt, there is another rule. If 60 days have passed since the order was sent and the buyer has not closed the order, but also has not opened a dispute, in general it has not manifested itself in any way, the order is closed automatically. It is important not to get into trouble due to your own carelessness. Mark the date in your reminder one week before the delivery deadline.

If there is a week left until the end of protection and you still don’t have the package, contact the seller and ask to extend the protection. If the seller does not contact you within several days, feel free to open a dispute. The Aliexpress support service will contact the seller and give three days to resolve the issue peacefully.

The order closes automatically 7 days after it arrives in the mail. A notification has arrived, quickly run to the post office. You have only a week to open a dispute if there is something wrong with the product.

Often postmen of the Russian Post are in no hurry to deliver notifications about the parcel. The rescue of drowning people is the work of the drowning people themselves, remember this. Track the parcel on the track and as soon as you see that it is at the post office, just go and pick it up, do not wait for the postman to reach you, because precious time for opening a dispute may be lost.

Outright fraud

If the seller asks you:

• transfer money for the order directly, bypassing Aliexpress
• If you receive a defective item, it asks you to first confirm receipt and then make claims
• in the event that the parcel is delayed on the way, it asks to confirm the order, instead of extending the protection

Please be aware that all of the above is outright fraud. If you follow the lead of a scammer, Aliexpress will not be able to help you, since in all of the above cases, you will no longer be under the protection of the buyer.

Security when paying by bank card

At first glance, paying on Ali seems scary; the prospect of paying for the purchases of some Chinese person and his entire family is not very joyful, so let’s figure it out.

• At no stage of the transaction does Ali disclose your payment information, i.e. the seller never sees your card number and other necessary data to make a payment.
• All your data is protected by Aliexpress, and the creator of this trading platform has invested a lot of dollars in security and reputation.

Is information leakage possible? Yes, only directly from you. If you fall for scammers' tricks. For example, phishing.

The purpose of this type of fraud is to force you to open a supposedly familiar page in your browser and enter your card details. You can achieve your goal in different ways. The most common one is that you receive a letter by email, supposedly from the Aliexpress support service, the text of the letter is written correctly and officially, under some plausible pretext you are asked to confirm your data by clicking on a link. Having opened the link, you see a seemingly familiar interface and may not even notice that alixpress is written without the letter e in the address bar, which means this is a completely different site.

There is an easier trick. For example, you paid for an item. After some time, you receive a letter from the seller stating that the product is out of stock and he would like to return your money, but not through Ali, so as not to tarnish your reputation, but directly and is even ready to pay extra so that you do not open a dispute and do not withdraw rating from him. Well, all he needs is your card data, including cvv and expiration date. What’s surprising is that no matter how many people are warned that never, under any circumstances, disclose your card details to third parties, this type of fraud is thriving.

Safety regulations

• Under no circumstances should you ever give out your card details to anyone.
• always double-check the side name in the address bar
• do not forget to update your antivirus on time
• if your bank has additional card security services, use them
• check the seller before purchasing

Below is a video that describes in detail how to check a seller on Aliexpress.

Returning to the question - is it safe to pay for purchases on Aliexpress with a bank card, we can give a definite answer - exactly as safe as crossing the road or swimming in the bathroom. Follow safety precautions and everything will be fine.

Happy shopping.