Safe payment in webshops: Which method does the shop offer?
Your payment method matters if the item never arrives or the shop charges the wrong amount. Shopeye therefore looks at which payment options the shop states.
The check assesses the payment method — not whether the entire checkout system is technically flawless.
What does Shopeye count as protected payment methods?
Card payment, MobilePay, PayPal, Klarna, and similar established solutions are positive signals, because they often give some form of chargeback, reversal, or buyer protection.
The concrete protection depends on the payment form, card type, the provider’s terms, and the situation. A logo alone is also not enough; it has to be a method you can actually choose.
Why is bank transfer more risky?
With an ordinary bank transfer you send the money yourself to the recipient’s account. If the recipient is a scammer, the money can be moved on before the bank can help.
A shop that only accepts bank transfer therefore gets a negative signal. That becomes especially serious if the shop is also new, lacks company details, or lures you with extreme discounts.
Cryptocurrency as the only option
If a shop will only accept cryptocurrency, Shopeye treats that as high risk. Crypto payments usually cannot be reversed the way a card payment can, and the recipient can be hard to identify.
Offering crypto together with ordinary payment methods is not necessarily the same as “crypto only”. Shopeye shows what was actually found.
Can payment logos be fake?
Yes. Visa, Mastercard, or MobilePay logos on the homepage do not prove that those options exist in checkout. Shopeye analyses the available information, but you should still check whether the payment option is actually shown before you approve the purchase.
Be extra careful if the shop changes payment method late in the process or afterwards asks you to pay to a private account.
What can you do yourself?
- Prefer card or a recognised payment service.
- Avoid bank transfer to unknown shops.
- Check the amount and shop name when the payment is approved.
- Save the order confirmation and receipt.
- Contact your bank or card issuer quickly if something goes wrong.
Forbrug.dk states that the bank in a number of cases must reverse the money for card payments, and that a reversal can also be possible for mobile payment when it is linked to a payment card.
A good payment method does not make the shop safe
Card payment is a positive signal, but it cannot outweigh a known phishing listing, a false CVR number, or a misused e-mærket mark. Shopeye therefore weighs the payment method together with the other findings.
Also read about known digital threats and signs of a fake webshop.
In short
Protected payment methods reduce the risk if the purchase goes wrong. Bank transfer as the only option is risky, and cryptocurrency as the only payment form triggers a strong warning.
Read all the signals Shopeye checks.