This guide contains basic information for cardholders about security of credit card payments. It starts with false statement though: "you have no viable alternatives when buying something online". This is wrong because today major online retailers, in addition to credit cards, accept alternative methods of Internet payments. PayPal and Amazon Payments, which were originally based exclusively on credit cards, nowadays allow payments directly from bank accounts, with the same convenience of instant transactions as credit and debit cards. In fact, they prefer payments via bank accounts which save them a lot of money on interchange fees.