Yes, online payments with a credit card are secure. Credit card payments meet the same requirements as payments via online banking and other online payment methods. In some cases, online payments are exempted from authentication, for example if they involve an amount below EUR 30, or for recurring payments to the same recipient. The payer is not liable for fraud for such exempted payments. Payments not covered by this exemption must always be authenticated on the basis of two out of these three factors: something you have (a card issuer’s card or registered mobile app), something you know (a password or PIN code) and/or biometrics, such as a fingerprint or facial recognition.