18/10/2022

Trygge betalinger med Visakort på nettet

Som verdens største betalingskort er Visa den mest utbredte betalingsmetoden du kan benytte. Visa kjenner vi først og fremst fra de fysiske betalingskortene, hvor selskapet tilbyr både debet- og kredittkort løsninger. Du kan også bruke Visa til å handle på nettet, både direkte gjennom Visa Checkout løsningen eller via andre metoder som Vipps og Apple Play. Ved å bruke Visa kortet ditt når du betaler er det gode sjanser for at du har flere rettigheter enn det andre betalingsløsninger gir deg. 

Slik betaler du med Visa på nettet

Enten du handler klær, matvarer, kjøper tjenester som kinobilletter eller vil spille i et nettcasino kan du bruke betalingmetoden Visa i Norge. Helt siden 2014 har Visa benyttet seg av den såkalte Checkout løsningen hvor du legger inn kortnummeret ditt, utløpsdatoen og den tresifrede CCV koden. Mange vil oppleve det som litt tungvint å måtte gjøre dette for hver gang, og benytter seg derfor gjerne av muligheten til å lagre kortinformasjonen der dette er en mulighet. Nettlesere som Google Chrome tilbyr også denne løsningen. For brukere som har en smarttelefon er det også mulig å scanne kortet, for enda enklere utfylling. Det føles kanskje nå som at du legger igjen kortinformasjonen din litt vel mange steder? Mer om det snart. 

Visa kobles også til andre betalingsmetoder

Du tenker kanskje ikke over det i hverdagen, men i vår digitale hverdag er det enda flere måter du tar i bruk Visakortet ditt på. Andre betalingsmetoder, slik som Apple Pay og Vipps kan nemlig også kobles til kortene dine. Har du et kredittkort fra Visa, eller et debetkort for den saks skyld, kan du nemlig la Vipps eller Apple Pay koble seg til dette, slik at du kan ta i bruk disse metodene som utvilsomt forenkler betalingshverdagen din. Men det gjør også at kortet ditt har enda flere kontaktpunkter. Kommer det da med en økt fare for at kortopplysningene dine kommer på avveie? 

Visa tilbyr økt sikkerhet

La oss starte med det første. Desto flere steder du legger igjen kortinformasjon, jo større er sjansene for at den kommer på avveie. Skulle noen få tak i kortnummer, utløpsdato og CCV har de i teorien det de trenger for å belaste kortet ditt. Så er det heldigvis en gang slik at systemene som benyttes på nettet minimerer risikoen for at det i det hele tatt skjer. Visa Checkout løsningen er kryptert og nettbutikken du handler i ser aldri denne. De benytter seg kun av en ferdig plattform som Visa leverer og det eneste de får av informasjon er at noen har betalt for varen eller tjenesten. Legger du inn kortet ditt på Apple Pay så sendes ikke en gang informasjonen til Apple. Gjennom mange banker og kortutstedere er det også mulig å aktivere to-faktors autentifisering, slik at betalingen aldri går gjennom før du har godkjent det med et passord, Face-ID eller finger-ID. 

Men skulle kortinformasjonen din komme på avveie og noen klarer å belaste kortet ditt er det ingen grunn til å fortvile. Her kommer Visa sin sikkerhetsgaranti inn i bildet. Så snart du oppdager at kortet ditt har blitt brukt et sted som du ikke selv har autorisert kan du kontakte banken din. De vil gå direkte til Visa som har et eget team som jobber med kortsvindel. Du kan forvente at pengene dine blir sendt tilbake i løpet av svært kort tid, og Visa vil iverksette alle tiltak for at det ikke skal skje igjen. For best mulig sikkerhet skal du se etter Visa Secure merket, som sikrer at det ikke er mulig å få betalt uten at du har bekreftet identiteten din. Det sikrer deg verden over, ikke bare på nett, men også i butikker og om kortet ditt blir stjålet. 

Vis sunt nettvett

Skal du handle varer eller tjenester på nett kommer du langt med å vise sunt nettvett. Her er noen tips som kan redusere sjansene for at du blir utsatt for kortsvindel:

  • Vær forsiktig med hvor du legger igjen kortinformasjonen din og ikke la andre få tilgang til denne
  • Se etter Visa Secure logoen når du skal betale. Da vet du at du er sikret enda bedre
  • Ta kontakt med banken din med en gang du mistenker at du kan ha blitt svindlet
  • Du kan også ta kontakt med banken om du har kjøpt en vare eller tjenester som har mangler når du ikke oppnår kontakt eller klarer å løse saken gjennom selger. Visa har også prosedyrer for dette
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We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

Registration

The minimum information we need to register you is your name, email address and a password. We will ask you more questions for different services, including sales promotions. Unless we say otherwise, you have to answer all the registration questions. We may also ask some other, voluntary questions during registration for certain services (for example, professional networks) so we can gain a clearer understanding of who you are. This also allows us to personalise services for you. To assist us in our marketing, in addition to the data that you provide to us if you register, we may also obtain data from trusted third parties to help us understand what you might be interested in. This ‘profiling’ information is produced from a variety of sources, including publicly available data (such as the electoral roll) or from sources such as surveys and polls where you have given your permission for your data to be shared. You can choose not to have such data shared with the Guardian from these sources by logging into your account and changing the settings in the privacy section. After you have registered, and with your permission, we may send you emails we think may interest you. Newsletters may be personalised based on what you have been reading on theguardian.com. At any time you can decide not to receive these emails and will be able to ‘unsubscribe’. Logging in using social networking credentials If you log-in to our sites using a Facebook log-in, you are granting permission to Facebook to share your user details with us. This will include your name, email address, date of birth and location which will then be used to form a Guardian identity. You can also use your picture from Facebook as part of your profile. This will also allow us and Facebook to share your, networks, user ID and any other information you choose to share according to your Facebook account settings. If you remove the Guardian app from your Facebook settings, we will no longer have access to this information. If you log-in to our sites using a Google log-in, you grant permission to Google to share your user details with us. This will include your name, email address, date of birth, sex and location which we will then use to form a Guardian identity. You may use your picture from Google as part of your profile. This also allows us to share your networks, user ID and any other information you choose to share according to your Google account settings. If you remove the Guardian from your Google settings, we will no longer have access to this information. If you log-in to our sites using a twitter log-in, we receive your avatar (the small picture that appears next to your tweets) and twitter username.

Children’s Online Privacy Protection Act Compliance

We are in compliance with the requirements of COPPA (Childrens Online Privacy Protection Act), we do not collect any information from anyone under 13 years of age. Our website, products and services are all directed to people who are at least 13 years old or older.

Updating your personal information

We offer a ‘My details’ page (also known as Dashboard), where you can update your personal information at any time, and change your marketing preferences. You can get to this page from most pages on the site – simply click on the ‘My details’ link at the top of the screen when you are signed in.

Online Privacy Policy Only

This online privacy policy applies only to information collected through our website and not to information collected offline.

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Changes to our Privacy Policy

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