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Assuming that the check is genuine, both cashier's and certified checks are secure forms of payment. However, a cashier's check is generally regarded as the safer bet since the funds are drawn against the bank's account, not an individual person's or business's account.
Credit cards are the most secure form of payment with rewards that could even save you money, so next time you think about writing a check for a payment, think again.. because that payment may not be the only money that will be coming out of your personal bank account.
Google Wallet, PayPal, and Skrill are the few examples of such payment methods. These payment methods are less popular, but PayPal is most popular among such payment methods. It is used by more than 250 million active users and available at 200+ online marketplaces because it is considered the most secure payment mode.
A secure payment page means that the webpage where credit card numbers are entered is secured via Secure Sockets Layer (SSL) 128 bit encryption. In a nutshell your customers need to be able to see that your website is protecting their sensitive details!
The vast majority of payments to or from a business are made electronically either by bank transfer or payment (credit or debit) card. Because of the secure nature of banking systems, bank transfers are relatively safe, provided the same care is taken that should be exercised with all online transactions.
Besides cash, a certified cashier's check is the most secure way to accept payment during a private sale. Unfortunately, potential for fraud still exists. There is no guarantee that the buyer actually has the money in the account to cover the check, and you may find yourself in a situation with a bounced check.
If the buyer for your used car pays via a check or money order rather than cash, accept only the exact amount of the negotiated sale price for the vehicle. You're a private seller of a used car, not a new car dealership with a financing office to handle the paperwork.
Don't sell them the car. It's as simple as that. No legitimate buyer is unwilling to go to a bank with you. It's true if you deposit more than $10,000 in cash your bank has to report the transaction, but this shouldn't be a concern as long as you keep the paperwork from the sale.
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