Get your pen and paper ready as I tell you the top 4 best
methods of payments you should have your eye out for. Online shopping isn’t
tricky at all. It’s just as normal as going to the mall to buy your favorite
pair of pants. It’s all about knowing what’s available out there and making
sure that you don’t settle for a lame payment setup that can lead to a scam.
I’ll give you my top 4 picks. Try to see which one fits you best and stick to
that when buying online to avoid inconveniences towards the end.
1.
Cash On Delivery (COD)
It’s as basic as it sounds. Cash on
delivery is popularly known as COD or the closest type of transaction to paying
over the counter. The positive side about this is that it does not involve any
initial cash outs. You can savor your money until your product gets delivered.
It is only then that you will be asked to provide the payment. No deposit or
down payment to some random account you can’t vouch on.
This is one of my top favorites because
it’s the most less hassle. I don’t even know if that makes sense. It pretty
much makes every online shopping free from stress. I can purchase anything I
want and not have to worry about follow up transactions to secure my order. All
I have to do is wait for my order to be delivered and only then will I be
forced to deal with the financial aspect of shopping. I have used this method
in Zalora and Lazada. With Lazada, I was informed ahead of time before the item
was sent out for delivery and the whole process went smoothly.
2.
Installment
Worried about paying your bills on time? No
need to stress on the big amounts when you can distribute the payment up to as
long as two (2) years. Banco De Oro currently has this promo in partnership
with Lazada where items with a minimum amount of P3000 can be paid in installments
with 0% interest. And you thought you always had to pay in full amounts.
3.
Credit Card
A method of payment Filipinos can never
seem to get rid off. Filipinos like to pay on credit. Well, they like to spend
even before they get the money. Credit card makes this inevitable attitude of
Filipinos manageable. Visa and MasterCard credit cards are normally always
entertained in major online stores. Just make sure your online site of choice
has some sort of seal of security acknowledging customer safety.
4.
Bank Transfer
If you’d rather get rid of the money for
payment at once so as not to end up spending it (Dispalco is a big NO!), you
can do so by depositing ahead of time. Though this sounds a bit sketchy, you
always have the option to dig up dirt about your fave online store. This is why
it’s always better to order from online stores with a familiar brand to assure
you of its authenticity.
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