Can we trust the internet with a credit card?

If a supposedly secure, world-wide service can be hacked, should we really be shopping online at all?


Somebody 'may' have got hold of 70 million peoples' credit card details this week, according to Sony.

Yes, the Playstation Network (PSN), which allows millions of PS3 and PSP owners to play games online has been hacked, causing the service to be suspended for over a week, but more worryingly, for the card numbers, date of birth, email and physical addresses of all of its users to potentially be compromised.

If PSN can be hacked, and card details (like mine) obtained, then what about other websites? Amazon is completely secure. It displays that little gold padlock in the corner when you buy something. So does Paypal, and eBay, and Play.com. I've used all these sites and never have I received a phone call from my bank asking why I've started bulk buying iPods and Bulgarian porn. But the risk remains.

I must stress that these sites are secure, and I have heard no reports of them being hacked. But it could happen, theoretically. If PSN, a 70-million user service from a world-recognised corporation, can be hacked open, why not one of these sites? If there is even a slight risk, why shop online at all?

Well, some don't. And they aren't all old fogeys who don't know what an internet is. My 18-year-old brother refuses to shop online because he doesn't trust a computer to feed his money digits down a webpipe to some company in the hope he'll receive something in the post four days later. There are plenty who feel the same way.

But we've come a long way since the early days of the internet. The fact is, there is virtually no risk at all in buying from a reputable, recognised website. The level of security is beyond military standard. People's lives are one thing, but if there is money involved, the security goes up to another level.

Yes, PSN was supposed to be that secure, and it might have been compromised. That's a huge error on Sony's part. But games console networks are in their infancy. The Playstation 2 didn't have any sort of network, and the PS3 has only had one for five years. Now that it has happened, future games consoles will be doubly or triply secure.

Sites like eBay and Amazon have years of security experience behind them. If we can't trust them now, we probably never can.

So, can we trust them now? Well, it's up to individuals to determine if it's worth that risk. In my eyes, I take a larger risk of having my card details stolen every time I leave the house than I do when I shop online. Shopping on Amazon is the equivalent of using the cash machine with an army of fifty bodyguards by your side. Out on the street, I'm a scrawny white bloke who couldn't fight a paper receipt, let alone a paper bag or a mugger.

But it is up to the companies who run these websites to persuade people how safe they really are, though. Sony has a lot of damage control to do, and if peoples' accounts do start emptying, it could set web shopping trust back years.

If Sony is the weak link that ruins internet shopping for the rest of us, then it will have a lot more to worry about than the Playstation Network.

Internet shopping should be treated with a heavy dose of caution, but it's as safe as anything else in life: 99%. Nothing can ever be totally safe.

Now if you'll excuse me, I've got to wait for a possible phone call about some Bulgarian videos.