Know why you should make your online payments with a credit card?

Online shopping is something many of us do frequently. Paying with a credit card has many benefits which provide security and flexibility for online payments in particular. You will not get the same security and flexibility if you pay by invoice.

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Mobile payments with your credit card

5 good reasons to take advantage of the features of your Nordea Gold card when shopping online

  1. Pay for your online purchases with your card’s credit facility, as it provides you with additional cover in accordance with the Consumer Protection Act.
  2. Always buy your airline tickets and accommodation with your card's credit facility to get better cover in case the airline goes bankrupt, for example.
  3. Avail of the 30-day interest-free payment period of your credit card to get more flexibility for your finances.
  4. Pay for larger acquisitions for your home with your card's credit facility to get Product Safety Insurance for your acquisitions.
  5. Pay at least 75% of your holiday trips with your card's credit facility, and save money by getting travel insurance included in your card.

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A credit card increases the security of online payments

  • You can easily switch the online payment option for your Nordea Gold card either on or off in Nordea Netbank and Nordea Mobile. 
  • A credit card is the best way to pay online purchases, as it provides you with additional cover in accordance with the Consumer Protection Act in case of any problems.
  • Card payments in online shops are safe due to strong authentication. Nordea’s customers can use either our Nordea ID or our code calculator for strong authentication. 

What should I do if problems arise?

Every purchase does not always go as planned, but if you have used your credit card, you can get help either from the bank or the card insurance provider. Below you can find examples that help to illustrate how and where you can file a claim.

The product I ordered did not arrive

The product I ordered did not arrive

"I ordered a jacket from an online store, but it has not arrived even though it has been many weeks. I have contacted the seller, but to no avail."

Since the online purchase was paid with a credit card, the customer can dispute the transaction by filing a complaint with the bank. The customer should dispute the card transaction and send the order confirmation and contact to the seller as attachments so that a potential breach of the agreement on the seller's part can be confirmed.

I got the wrong product
The product broke while in use
The airline company cancelled my flights
I’m cancelling the flights myself
I was not able to make the flight due to travel restrictions
I was not able to make the flight due to reasons unrelated to me

ABC of safe online payments

  • Check that the URL starts with “https” and displays a padlock icon in the browser bar to ensure the website is secure.
  • Read the delivery and service terms and conditions of the online shop carefully. If the website doesn’t have any information about the seller, doesn’t allow returns or charges exceptionally high costs, find a different shop.
  • If you haven’t bought anything from the same online shop before, pay with credit so that your purchases are covered by statutory protection in case the seller doesn’t fulfil their commitments.
  • Secure websites use verified solutions such as Visa Secure and Mastercard Identity Check for encryption and authentication of card purchases. This is done to verify the identity of both the buyer and the seller when a transaction is made.
  • Start using strong authentication.
  • If you don’t receive a product or a service you bought online, contact the seller first. If you can’t settle the matter with them, file a card complaint with your bank and request a refund.

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