From:                   David Woolley <[EMAIL PROTECTED]>

> I think you're worries about security are very valid, but I think purchases
> ovr the Net are as secure, if not more so, than purchases over phone, or in
> person.

I don't know about .NZ, but in Germany the credit card company 
will refund any transaction for which I don't have given my 
signature, without requiring a reason. I just have to say "Njet!" 
when I receive my monthly statement. The risk is solely on the 
side of the Internet-based merchant.

Anyone who has your credit card number and expiration date can 
initiate a transaction on your card, but due to the aforementioned 
right of refusal, he won't benefit from this (this is very different from 
when someone actually *has* your card and does *fake* your 
signature).

So, giving out your credit card "details" over Internet, even with a 
non-SSL transaction, is about as insecure as giving your card to 
Joanne Waitress or Joe Gasstation, and you never bothered to 
worry about doing so before all the fuss about E-Commerce 
security was started.

Disclaimer: As I said above, this is for *my* credit card company. 
Although I think it's unlikely, your mileage *may* vary, so you may 
want to ask them first.

Olli


--
Oliver Wagner <[EMAIL PROTECTED]>  http://www.vapor.com/
Finger: [EMAIL PROTECTED]          ICQ: you're kidding :)

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