Group offers online payment advice

The agency warns that not all payment options offer the same level of protection when it comes to unauthorized charges and other payment disputes.

Consumers Union says credit cards offer the most protections for unauthorized transactions and getting charges reversed if items are delivered too late or broken.

Debit cards offer limited liability. So consumers are responsible for the first $50 in unauthorized charges.

Paypal, Google Checkout and Bill Me Later let consumers avoid entering your credit card information online. But the agency suggests only using these if you can pay off your balance each month.

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