Use a credit card when paying over the phone, not a debit card. Credit cards offer better fraud protections than debit cards, and the vast majority of cards offer $0 fraud liability protection.

Virtual credit card numbers can keep your card account safe when you shop online or over the phone. However, only some credit card issuers offer this feature.

Instead, the consumer taps their card, iPhone, or Apple Watch against the iPhone owned by the business – though it should be noted that it’s of course limited to contactless payments, which ...

Credit card payments made over the phone or internet are classified as “card- not-present” (CNP) payments. These types of payments create more fraud risk for merchants and consumers.