The New York Times posted an article about making payments online, and contrasting the merits of credit cards, debit cards, and online services such as PayPal.

None of these options are entirely full proof from hackers, malware and phishing sites. Credit cards still garner a top recommendation because of the laws protecting against fraudulent charges:

“The strongest protections are when you pay by credit card,” says Carole Reynolds, a senior lawyer at the Federal Trade Commission. Under the Truth in Lending Act, consumers’ maximum liability for unauthorized use of their credit card is only $50, and when a card is used online, it’s zero.

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