Is it Safe to Pay by Credit Card on AliExpress?

Probably, there is no one who would not have heard about the Internet platform AliExpress, which today is the most visited in many countries. This is logical because on the site you can find anything; clothing, appliances, tools for hobbies, all these things can be purchased from the comfort of home, and much cheaper than in offline stores.

However, buyers are often faced with the fact that when paying by credit card on AliExpress need to confirm the payment by entering the security code of the card. Find out how justified this measure, and whether it is possible to pay for the purchase without it.

What is the Security Code?

When using a bank card in the online store to complete the payment, you must enter CVV2 or CVC2 code. Let’s try to figure out what it is.

CVV2 (for Visa card), CVC2 (for MasterCard card) is a special security code designed to confirm the customer’s right to use a bank card.

The security code is a combination of three digits located on the back of the payment card. This code is generated by a special program in such a way that it was very difficult to reproduce it. At the same time, banks are increasingly complementing the payment security system with new methods of protection, including 3D secure technology.

The meaning of it is as follows; before each payment transaction, a one-time password is created in the security system, which is sent to the customer’s phone number (the validity of the one-time password is not more than 5 minutes), and in the case of incorrect entry, the operation will not be completed.

AliExpress is a large trading platform that uses a system of non-cash payments. In order to pay for the goods by credit card, you must fill in the following mandatory fields:

  • Select card type (Visa, MasterCard, Maestro)
  • Fill in the field card number (enter the 16-digit number indicated on the front side of the card)
  • Name and surname of the owner
  • The validity of the card (month, year)
  • Security code

Then you need to select the option “pay now”. Without filling in these fields, payment will not be possible, and in the case of incorrect filling of any of the required fields, payment simply will not pass.

Can i Pay for my Purchase without Security Code?

Pay for your purchase on AliExpress bank card without using the security code will not work. However, if you do not want to enter your secret card code, you can use the following methods:

  • Payment using Google Wallet or Yandex Money services
  • Payment via Qiwi wallet
  • Payment via Webmoney
  • Payment via mobile payment
  • Payment in cash in shops-partners of the website

Can the AliExpress Steal Money from Bank Cards?

First, it is worth remembering that when paying for purchases on AliExpress, the money does not go directly to the seller, but to a special payment system. All modern stores, including AliExpress work based on the PCI DSS standard, according to which information about CVV2, CVC2 codes should be removed immediately after payment, so a third party will never be able to access them.

In case of fraud with the card, the store in which the payment is made will be obliged to return the money to the client from whose card the transaction was made, and if the number of illegal operations reaches 1% of the total number of payments, the trading platform will be fined, and its reputation will suffer.

That is why large online stores invest a lot of money in the development of specialized anti-fraud protection systems, which include the installation of programs from the selection of CVV2, CVC2 code, checking the coincidence of the country in which the card is registered and the place of payment, checking the IP-address of the buyer, the number of unsuccessful attempts when entering card data and such. Therefore, AliExpress not only cannot steal money from a bank card, but they are also interested in protecting customer funds.

Payment Order with Someone Else’s Credit Card

Often when buying on AliExpress people wonder whether it is possible to pay for the order with the card of her husband, brother or friend. There is no formal ban on these actions because the rules of the online store never say that the recipient of the goods and the owner of the card was the same person. However, before the order is paid, it will have to pass a check of the payment system, which can take up to 24 hours.

As a result of the verification, the payment may be rejected due to the fact that the store owners have doubts about the legality of the use of the card. Thus, despite the fact that the policy of the site does not prohibit paying for goods with someone else’s card, the purchase may not take place.

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