Before using credit cards online in online e-commerce sites you need to look in to the following:-
• Making your signature behind the credit card
• Destroy the PIN number letter after noting the number elsewhere
• Change PIN number
• Confirm purchases against billing statement and report discrepancies if any.

Merchants who are able to accept all major credit cards online are facilitated with a user friendly Merchant interface that backs up to monitor payments at any point in time.
• Suspicious identity theft transactions get detected with in-built fraud tools in the software.
• User sensitive data related to credit cards are stored in databases that are under high-security access systems.
• The money from the credit transaction gets transferred to the merchant account automatically.

Certified shopping carts connect to facilitate payment with credit cards online automatically. Digital signatures reduce a majority of loss and some kinds of chargeback that can arise due to some disputes in handling the transaction with having the processing of credit cards online.

However, every chargeback is repayable only if it is justified with some reasonable discrepancies like:-
• Having had swiped the card twice.
• Returning of a damaged product
• Product not delivered
• Some has used it after a theft had been reported

Chargeback is payable by the merchant to the card holder on reasonable ground, subject to merchant business and transaction rules.

The flow of usage of credit cards online is as follows:-
• The client swipes a credit card online
• The merchant business either through its e-commerce site or swipe card machine accepts the payment.
• The details of the required transaction are passed on to the company that is backing up the merchant with a merchant credit card interface.
• The details of the transaction are exchanged with the server of the respective credit card company.
• The credit card issuers validate that transaction based on the availability of the balance and other verification criteria to see if the transaction is legit.
• Legit transactions are passed on and the money is paid to the merchant account by wire transfer within couple days; however, the passing of the card for payment is an immediate proof that the transaction will be paid.