Can I Trust Etsy with My Debit Card? (Is Etsy Safe? Do This)

Can I Trust Etsy with My Debit Card

Have you ever asked yourself or your friend if you can trust Etsy sellers or vendors with your debit card? Is Etsy safe? Well, you are at the perfect place to find the answer to such a question.

There are tons of awesome gifts and unique vintage items available to purchase from Etsy. However, if you’ve never visited the website, you may be wary about entering your debit card information when it comes time to pay for your purchases.

How do you know that you can trust Etsy with your debit card information?

Yes, you can trust Etsy sellers or vendors with your debit cards then Etsy ensures the security of its customers’ information through the measures implemented by its Risk Operations team. Since there are multiple players involved in an Etsy transaction, Etsy uses a secure payment method to protect your financial information.

In this article, we will cover the safest methods to pay for purchases on Etsy as well as whether or not Etsy shop vendors are privy to your debit card information.

Additionally, we will provide tips on how to recognize trustworthy Etsy vendors and what to do if you believe your debit card has been compromised because of an Etsy purchase.

What Is the Safest Way to Pay on Etsy?

The safest way to pay for purchases on Etsy is by using the Etsy payment option via Paypal. This allows you to have an added level of security by having the full support of Etsy’s Risk Operations team which closely monitors transactions via Etsy payment.

Additionally, Paypal puts a buffering layer between you as the customer and the seller or any potential identity thief.

By providing Paypal account information, you are not directly entering in your card or bank information. Instead, you are using an account that is linked to your bank and may only have access to a limited amount of funds.

By using these layers of protection through Etsy payment and Paypal, if you encounter a problem, there are multiple security teams to report to in order to help you resolve your issue.

Read also: Does Esty Send Receipts (Email, Purchase Receipt + More)

Does the Etsy Shop Vendor Receive My Debit Card Information?

When you pay for your Etsy purchase with your debit card, the seller does not see your debit card information.

The only information they will receive is that which is necessary to fulfill your order such as your mailing address and the amount of money which is funded to their account.

Etsy uses Transport Layer Security encryption to process your card’s information to extract the necessary funds for payment.

Your exact card information such as number, expiration date, and CVV code are not even stored in Etsy’s secure serves. Instead, the information is translated into tokens which Etsy retains for the use of their processors.

Even this information is kept secure so that hackers cannot back trace the information to your card and steal your bank information.

Read also: Does Etsy Accept Gift Cards (How To Redeem, Credits + More)

How Do I Know I Can Trust an Etsy Seller?

While Etsy takes as many precautions as it can to protect the financial information of its customers, illegitimate sellers and scammers have been known to set up shops on Etsy.

There are a few things to look out for before deciding to make a purchase through an Etsy vendor.

Take a look at the shop’s policies and reviews. If the wording of the policies is odd or there is something that seems confusing or off color, it may be a scam. Send the shop owner a message to clarify any policies you don’t understand.

Any legitimate vendor will be more than happy to explain their policies and help their customers.

Reviews are very important too. If there are multiple bad reviews, read them to discern what the nature of the complaints is. It may not be worth investing your money into a shop with lots of bad reviews.

Ultimately, go with your gut, if the product seems legitimate, there are great reviews, and they show that they have many customers, chances are this is a trustworthy vendor.

What Should I Do If My Debit Card Has Been Compromised via Etsy?

If you receive your bank statement and notice any charges to Etsy that are not approved by you, the first thing you should do is call your bank and freeze your debit card.

The second thing you should do is contact Etsy’s Risk Operations help support so they can help figure out where the charges came from.

Sometimes charges may show up as Etsy or under the specific shop name, so be sure to verify that the charge is legitimately questionable.

Etsy also has a quick help page for such situations that may answer your questions without having to contact support.

It’s always best to have the most secure account. To prevent any fraudulent activity from reoccurring on your Etsy account, change your password and make it harder for someone to guess.

Always sign out of your account, especially if you are using a public computer or you leave your computer in an area where others can access it.

Fraudulent charges happen, but Etsy has multiple measures in place to prevent it at all costs and there are steps you can take too to help keep your debit card information safe when purchasing items from Etsy.

Read also: Does Etsy Accept Visa Gift Cards? (No But Do This Instead!)


It is generally very safe to make purchases with your debit card on Etsy. They use an encryption program to process your information so that your bank information is not stored on their secure servers nor is it passed along to vendors.

The safest way to pay for purchases on Etsy is using their payment system via Paypal for a double line of security.

Etsy’s Risk Operations team has put extra security measures in place to deter hackers or identity thieves from stealing your card information.

Sometimes, things slip through the cracks though so you need to be aware of any suspicious activity on your card and immediately report it to your bank and the Risk Operations team of Etsy.

In order to prevent fraudulent activity from occurring when you make purchases on Etsy verify that the shop you are buying from is legitimate and make sure that your account isn’t easily accessible by creating a difficult password.

Here are some of my favorite services, products, and Stores

I created this resource page to easily list recommended services, products, and companies that I use and/or those I know are valuable.

This way you can quickly find great products and services all in one place. You can save thousands of dollars all from one page!

There are affiliate links, so if you do decide to use any of them, I´ll earn a small commission. But in all honesty, these are the exact what I use and recommend to everyone, even my own family.


Marissa K.

Hi! I'm Marissa. A personal finance nerd, content writer, and Managing Editor. I'm here to bring you all the latest cool ways to save, make and invest extra money. So, helping you to live your dream life!

Recent Posts

error: Content is protected !!