Security is a multifaceted factor. For the payment platform, the security angle and level should be the same under the same service conditions.

But looking at this problem from another angle, as far as the credit card service launched by banks is concerned, as long as you inform the banks in time, most banks generally have three days to bear the loss of credit card service.

But the debit card is missing. It's entirely your own account. You can only be responsible for security outside the scope of the bank's duties. If you are caught fishing, you can only call the police, and the recovery of the loss is resigned to fate.

So online payment, if there is a credit card payment channel, try to choose credit card payment. And it is very convenient. You don't need to log in to online banking.