Shout out to FlavourCrafters

[kanadiankat]

im glad that u like on line banking
but im not setting up online banking i dont think its safe enough
its just not going to happen with me
i prefer paypal or credit card
i keep a credit card just for online ordering it carries a very small limit
and also with FC they dont even have any contact info
i dont like to deal with places that are afraid to leave there phone no. , adress etc. etc.

The Difference Between Credit Card / Debit Card online and Interac etransfers:

CC and DC online
- Vendor gets your name, address, phone number, credit card number and their system often gets your 3 digit security no.
- Direct charges that are false can be recovered
- Damages resulting from Identity theft and identity hacking is not recoverable (and often untraceable for long periods of time).

Interac etransfer
- Vendor gets your name and email address
- You set the transfer up through your bank and your bank sends a coded email that can only be processed by another bank.
- You set up a security question and answer that only the recipient and you know - so if the email goes astray no one else can collect the money.
- If any damages were possible - they would be limited to the sum transferred and are 100% recoverable and insured.


More and more online vendors in Canada are going with Interac. It's fast, cheap, easy to use and way safer than the issues with credit cards.

Plus - Interac etransfer is only available in Canada - so it's not a particularly big magnet for international cyber-crime. Credit card and identity theft is.

 

[therealcmac]

I use 2 different credit cards online, do paypal and online banking, and i did have my credit card number stolen once.....................funny thing is that it was a credit card that i never used online, Ive only used it in town, so some ......... working behind a counter lifted the number and either sold it or tried to buy $4000 worth of gardening supplies lol, problem for him/her was that i only had a $2000 limit so the credit card company called me right away.

I would gladly trust my bank, which will guarantee any funds lost if there was a breach MORE than the dude at the gas station who can get all the info to steal your card with a quick look and a merchant receipt.....food for thought.

 

[albertbert]

That is misleading. It's all true, well, not all true... anyway, you are kind of ignoring the dangers of online banking. If your computer becomes compromised, a attacker could get access to a lot more things than online interac, and it would be a lot more damaging than CC fraud.

Also, i was under the impression that vendors didnt actually have access to CC information. I thought the merchant services company were the only ones that got that stuff, and it was done safely with encryption. Is that not the case?

The real danger is of CC fraud is phishing schemes, and viruses, not using your card on vendors sites. Having your banking info compromised is way more damaging.

 

[therealcmac]

were you talking to me or Kat?

 

[albertbert]

kat of course, sorry mac, i type slow. i have no problem with what you said. You are absolutely right, much more likely to get your card scanned by some guy outside, than getting your card info stolen online. Unless of course you have some kind of virus keylogging your computer, or if you fall for a scam and give the info out.

 

[therealcmac]

kat of course

just checking

 

[Song]

just checking

lol mac you look like a vapor gangster in that pic

 

[therealcmac]

lol mac you look like a vapor gangster in that pic

I know right~! I am the Vaper Rick Ross! You got people asking for your assistance in your thread if you didnt see

 

[Nrgaway]

I personally only use pre-paid/loaded credit cards for Internet. I don't even have a bank account anymore; too sick of high monthly fees and they once ripped me off for $4,700 and would not pay me back. Cash is king.

 

[therealcmac]

I personally only use pre-paid/loaded credit cards for Internet. I don't even have a bank account anymore; too sick of high monthly fees and they once ripped me off for $4,700 and would not pay me back. Cash is king.

I surely understand that point of view, but there is no way i have the time to be running around to pay the 15 different bills and what have you I have to pay every month, the prepaid for online stuff is a good idea.

 

[Song]

I know right~! I am the Vaper Rick Ross! You got people asking for your assistance in your thread if you didnt see

already answer him via pm the moment he posted lol =D

 

[therealcmac]

already answer him via pm the moment he posted lol =D

Just trying to keep you on your toes man! I want fruit juice!

 

[kanadiankat]

That is misleading. It's all true, well, not all true... anyway, you are kind of ignoring the dangers of online banking. If your computer becomes compromised, a attacker could get access to a lot more things than online interac, and it would be a lot more damaging than CC fraud.

Also, i was under the impression that vendors didnt actually have access to CC information. I thought the merchant services company were the only ones that got that stuff, and it was done safely with encryption. Is that not the case?

The real danger is of CC fraud is phishing schemes, and viruses, not using your card on vendors sites. Having your banking info compromised is way more damaging.

You're right - if your computer becomes compromised - well... everything is compromised. Banks can be broken into online - but recovery is 100% and online banking doesn't store the type of info that can be used in ID theft.

Vendors do have access to CC info and some merchant accounts have options for the vendor to "approve" or "confirm" each transaction (based on matching address and name on the account to the info on the credit card).

The biggest issue is not so much with vendors though (it's a bit too traceable if they're fiddling) - but with hacking accessibility.

A secure site has one point in every transaction where a hacker program can enter and gather all the info from a card. CC's carry a lot of information on you - and you have to confirm that information on the transaction.

This is where etransfers have the upper hand. There is really no personal or private info in the email transfer. It comes with a code that directs the recipient bank to contact the sending bank and use their internal protocols to transfer the money. It's an online version of the old "bank to bank transfer".

 

[albertbert]

That doesn't really make EMT safer. Hackers don't steal CC information from vendors. It sounds like you think hackers intercept the transfers somehow, and steal all the information provided in a receipt. That just isn't the case.

Paying with credit card on a reputable site is actually very safe. If a credit card gets stolen online, its a virus, or the user gets duped into giving the info away. Both these cases result from spam, believe it or not, hackers try to attack as many people as possible, as easily as possible. Email spam accomplishes this. It's the reason why mac computers are virtually virus free, not enough of them for hackers to even bother writing viruses for them. In rare cases, you are dealing with a bad vendor/employee who steals the info. I suppose in this case EMT might be safer.

You think having your credit card stolen is more dangerous than having online banking compromised? I'm not so sure. Credit cards are dangerous, because they are practically used as ID, so identity theft people can get creative with them. But really, someone having access to your online banking is much worse imo. They can transfer money, real bank transfer money, not EMT stuff. They can change your security options, mess with investments, view statements. Chances are they could even look at all your bills, i think alot of people doing online banking also view and pay bills online. What makes you think you are 100% covered if someone gets access to your online banking? I think you are giving these banks a little too much credit lol.

I realize, you think you are posting as a member of whatever that organization is called, and you think you're being helpful and informative. But to me, you just come off as a vendor, trying to defend something on your site. Your shop uses interac, and no CC. I think its ridiculous you're allowed to come into the member forum and try to scare people into not using credit cards, or scaring them into getting EMT. It's the same reason i challenged you when you tried to justify Canadian sites charging more than American. You have no business doing it in this section of the forum. Go make a electrovapors thread and tell us why EMT is better, and how Canadian sites cant compete with American ones because of supply and demand.

If i'm wrong about that, any mods or anything, please let me know, i won't do it anymore.

 

[FisherPal]

Just have to say that I think the arguments that are going on here regarding the safety of cc's versus EMT transfers on vendors sites is a moot point. The bottom line is that Canadian vendors cannot accept either cc payment or PayPal. Simple as that. I'm sure they would all love to have more payment options but EMT's are the only option available due to all of the legislated crap surrounding the sale of ecigs and juice. If you don't like EMT, then you can contact said vendor and discuss an alternative like a money order or such. But it is pointless to argue this - it's just a fact of life.

 

[Mindfield]

Just have to say that I think the arguments that are going on here regarding the safety of cc's versus EMT transfers on vendors sites is a moot point. The bottom line is that Canadian vendors cannot accept either cc payment or PayPal. Simple as that. I'm sure they would all love to have more payment options but EMT's are the only option available due to all of the legislated crap surrounding the sale of ecigs and juice. If you don't like EMT, then you can contact said vendor and discuss an alternative like a money order or such. But it is pointless to argue this - it's just a fact of life.

Pretty much that. CC processors won't let E-cig vendors open up merchant accounts in Canada (or anywhere else that E-cigs aren't explicitly legal), and PayPal will not let anyone, anywhere trade E-cig merchandise using their service, so both points are irrelevant. EMT is really the only practical means by which vendors in Canada can do business.

 

[albertbert]

I was kind of in a bad mood last night, so that probably came off harsher than i intended. The truth is, CC and EMT are both very safe. When you are logging in and doing online banking, and when you are doing stuff with your credit card, both sites will be using the same kind of security. It's up to consumers to ensure that our computers are clean, and that we don't fall for any kind scam. It just really irks me that kat felt the need to suggest that CC is not safe to show EMT is a good option.

EMT is obviously the prevalent choice in Canada for paying for vaping stuff, but using credit cards is certainly not something that is completely unavailable. As a direct payment, if any Canadian vendors do it, its rare. But, with a very quick search, i am seeing moneybookers, moneygram, even PP on canadian sites. To get on topic, i guess FC only uses EMT, but that's fine, its a good option. I would recommend anyone to use it if their bank supports it.

 

[dano-bri]

i like to do business on my home phone (land line)

i just telephone my vendor and give him my order and cc info

i think its safer this way

im old school and i like to do business with a person not a computer

i find it a little more personal and satisfying this way

the vendor is also able to tell me immediatly if the product is in stock or not and i like that cause i can alter my order to suit my needs. no surprises this way

 

[kanadiankat]

....I realize, you think you are posting as a member of whatever that organization is called, and you think you're being helpful and informative. But to me, you just come off as a vendor, trying to defend something on your site. Your shop uses interac, and no CC. I think its ridiculous you're allowed to come into the member forum and try to scare people into not using credit cards, or scaring them into getting EMT. It's the same reason i challenged you when you tried to justify Canadian sites charging more than American. You have no business doing it in this section of the forum. Go make a electrovapors thread and tell us why EMT is better, and how Canadian sites cant compete with American ones because of supply and demand.

If i'm wrong about that, any mods or anything, please let me know, i won't do it anymore.

...sorry you took it that way. The OP - I believe - was expressing a fear that credit cards were the only safe option and that EMT's were extremely unsafe. Info isn't intended as anything more than info.

As a person - I shop online frequently - with credit cards and with EMT's - depending on which country, site, goods, etc.

 

[dano-bri]

i guess i will stay with my vendor for now

he takes phone orders and credit cards

i prefer this way of doing business

hes making big bucks from me plus all the referrals hes getting from me

he getting rich lol