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I always enter my card details (unless direct bank transfer is available, which is becoming pretty popular lyckily). But I never found the idea that a saved cr

I always enter my card details (unless direct bank transfer is available, which is becoming pretty popular lyckily). But I never found the idea that a saved credit card number (23 digits) would make a shopping experience so much convenient than having to enter it. A typical checkout still has me entering my address, choosing between 5 different delivery options, agreeing to various terms and so on. The payment step is just a minor step along the way. I wonder if this entering of payment info is feeling more inconvenient to people who have become used to not having to do it, for example because they have used Amazon (I still never ordered anything there because they don't have a functioning operation where I live).

martinald 5y ago
You probably don't want to use bank transfers, depending on your jurisdiction. Using any sort of visa/masterdcard/amex gives you some protection via chargebacks. In the UK (and I think many other places), paying with a credit card over £100 gives you enormous additional protection (the credit card company is also liable for any problems). So if someone goes bankrupt, the credit card company has to make you whole. This is super helpful if eg you can't do a warranty claim on a product because the supplier went bankrupt. The credit card company has to resolve it (which generally means a full refund). Paying with bank transfers completely negates all this protection. Merchants love it for this reason (and lower fees), but as a consumer it offers no benefits and a lot of drawbacks.