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    Purchase protection with debit card?
    • #1
    • 7th Jul 05, 9:03 PM
    Purchase protection with debit card? 7th Jul 05 at 9:03 PM
    Apologies if this isn't the right place to post, but....

    I am intending to make an approx 350 purchase to a shop in the USA.
    They accept credit cards, cheques and paypal but have no online payment system.

    I don't have a Paypal account or credit card, but do have a Delta/visa debit card thingie with my current account.

    Could anyone advise about the safest way to protect my prospective purchase? From looking at paypal, I can set up a basic account and transfer the funds for free, but if I don't receive the goods I'm not protected by them (USA customers only, thanks a lot.)
    http://www.paypal.com/cgi-bin/webscr?cmd=p/gen/ua/policy_guarantee-outside

    They've also got something called Paypal buyer protection, but that only applies to Ebay purchases, which this isn't.

    I know that I can use my debit card like a credit card online and make purchases, but I don't know whether I get the purchase protection that credit cards give. The only 'virtual' purchases I've made previously have been with well known retailers such as Amazon and trainline etc. Also, in this instance I'm not doing an online payment but will be telling the guy in the shop my card details over the phone, unless I can find a more secure way of doing it. I've done all I can think of to minimise the risk and think the shop is a genuine one (been around since 1979, has a real address and phone number, been mentioned in the local newspaper (in a good way, space filling rather than as a fraud expose!) etc.
    Does anyone have any advice? (I've been turned down for a credit card recently so until I find out why that's not an option at the moment).

    Any help appreciated.
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