Paying Over the Phone Using Your Card (2024)

FAQs

What card details should I give over the phone? ›

HOW TO KEEP YOUR CARD DETAILS SECURE. - Never give out your card details over the phone. Only type them using your phone keypad while using a PCI-DSS level 1 compliant payment service. - Never provide your card details if you receive a call out of the blue.

The bottom line

The card industry has security standards on how merchants should deal with the information they collect over the phone so that customer security is not compromised. This standard prohibits the storing of authentication data and limits the storing of other card data.

Criminals can claim to be from your card issuer or bank and ask for your personal information. To this end, provide necessary card information only to merchants you've called directly. And before making any transactions, confirm that you've dialed the vendor's correct phone number.

Should I share my CVV in person? Never give out your CVV when using your credit or debit card in person. Anyone asking for your CVV during an in-person transaction could be trying to steal your information. It's only safe to give your CVV number over the phone or on a secure site.

If you want to make a credit card payment over the phone, call the number on the back of your credit card. Before you make the call, make sure you have the bank account number of the checking or savings account from which you'd like to have the payment deducted. You can even mail your credit card issuer a paper check.

If you want to minimise risk, it's best to avoid giving card details over the phone if you can. Providing your card details via a website still has risks, but at least it removes the human element.

The answer depends on a retailer's refund policy. Some retailers may only ask for your receipt to issue a credit card refund, while others may ask for you to provide additional information, like your credit card number and your CVV.

The bottom line

Digital wallets can be even safer and more secure to use than plastic credit cards, cash, checks and other forms of physical payment. But research digital wallet apps carefully and read reviews before committing to one.

Allow your bank or credit card issuer to verify your card, and you'll be ready to begin making payments. To make Google Pay payments from your phone, simply unlock your phone and hold it over the contactless credit card reader. If a blue checkmark appears, your payment is complete.

Is it safer to pay bills online or by phone? ›

It's generally safer to use your bank's online bill pay because you have more control over the payment process. You set the amount and date of payment rather than allowing the service provider to take the money from your bank account on their terms.

The answer is – yes, as long as you follow the right protocols. The biggest risks associated with phone payments comes from failing to follow PCI DSS compliance. This refers to the consent to safely accept, store, process and transmit cardholder data during card transactions.

Credit card transactions that you make over the phone have the same protection as those you make online or in person at a store. The law limits cardholders' liability to $50 under the Fair Credit Billing Act (FCBA) for any unauthorized transactions on your account so you will want to make sure you report them.

Also, you should never share your personal banking details, such as PIN, card number, card expiry date and CVV number (that's the three digit number, which, in Starling's case can be found on the right side of the signature strip).

It's generally considered safe to give out your account number and sort code, but you should always use common sense and avoid sharing your bank details with people you don't know or expect payments from.

The client provides their card details over the phone, including the card number, expiration date, and CVV (Card Verification Value). The business then enters these details into a secure payment gateway or virtual terminal, a web-based portal the merchant services provider provides.

Card details: Information such as expiry date of your credit or debit card, its number, and your full name are prominently displayed on the card. Your name would be known to most people, but you should not share any other information printed on the card. It is printed there for you, not for others.

Essential bank details for receiving money include your full name, sort code, and account number domestically, while international transfers require additional details like IBAN, SWIFT/BIC code, and bank address. The choice of payment method influences the complexity and security of transactions.