When you shop online, you should always use a secure browser. Using Netscape Navigator version 4.0 (or later) or any of Microsoft Internet Explorers will contain different security protocols. These browsers use Secure Sockets Layer (SSL) technology. This technology will automatically scramble or encrypt your personal data before you send it to your merchant. SSL technology shows you that your Web site is secure when an unbroken key or a lock appears in your browser window. .

             For new technology online security, Visa has partnered with other technology industries to develop. A new form of transactions called, SET. This emerging industry standard will make online transactions safer than ever. New online merchants are participating in making SET the new standard.

             When shopping online you should make purchases from merchants you know. Alternatively, research their companies before you purchase their product. You should also keep a record of your purchases and transactions. Save your receipt before you are done completing an online transaction, read the delivery and return policies on the merchant's home page. Make sure you are able return any unsatisfactory products. You as the consumer should check to see if you can get your money refunded or if you can receive merchandise credit. Be sure to print a copy of your purchase order and confirmation number for your records.

             The federal Mail or Telephone Order Merchandise Rule covers orders made on the Internet. This means unless stated otherwise, merchandise must be delivered within thirty days, if there are any delays, the company must notify you. Some companies let you pay bills and let you check your account online. Before you sign up for any kind of service, evaluate how secure the company"s web site is. .

             Try to keep a record of all online transactions, including the merchant's Internet address. That way, you'll have all the information you need in case a question about a purchase order arises.