Adds anonymous payments

README.md

@@ -217,10 +217,12 @@ Many data breaches, hacks and attacks are caused by human error. The following l
 **Watch out for Stalkerware** | Recommended | This is malware that is installed directly onto your device by someone you know (partner, parent, boss etc). It allows them to see your location, messages and other app data remotely. The app likely won't show up in your app draw, (but may visible in Settings --> Applications --> View All). Sometimes they can be disguised as a non-conspicuous app (such as a game, flashlight or calculator) which initially don't appear suspicious at all. Look out for unusual battery usage, network requests or high device temperature. If you suspect that stalker ware is on your device, the best way to get rid of it, is though a factory reset
 **Install Reputable Software from Trusted Sources** | Recommended | It may seem obvious, but so much of the malware many PC users encounter is often as a result of accidentally downloading and installing bad software. Also, some legitimate applications try and you offer slightly dodgy freeware (such as toolbars, anti-virus, and other utilities), be sure to pay attention while completing the installation process. Only download software from legitimate sources (often this isn't the top result in Google) so it's important to double check before downloading. Before installing, check it in [Virus Total](https://www.virustotal.com), which scans installable files using multiple AV checkers
 **Store personal data securely** | Recommended | Backing up important data is important. But ensure that all information that is stored on your phone/ laptop, USB or in a cloud is encrypted. That way, if it is accessed by a hacker (which unfortunately is all too common), it will be almost impossible for them to get to your personal files. For USB devices, see [VeraCrypt](https://www.veracrypt.fr/en/Home.html), cloud backup, see [Cryptomator](https://cryptomator.org), and for your phone and laptop, see [this guide](https://www.howtogeek.com/260507/psa-encrypt-your-pc-phone-and-tablet-now.-youll-regret-it-later-if-you-dont)
+**Use Credit Cards, or Virtual Cards when paying online** | Optional | There are risks involved in entering your card details on any website. Credit cards have better consumer protection, compared to debit or bank cards, meaning you are more likley to be recompensated for fraudulent transactions. Better still, paying with a virtual, 1-time card will mean that even if those credentials are compromised a hacker will not be able to lift any of your money. [Privacy.com](https://privacy.com/join/VW7WC) offer virtual payment cards that you can use anywhere on the internet, as does [Revolut Premium](revolut.ngih.net/Q9jdx)
 **Review application permissions** | Optional | Ensure that no apps have unnecessary access to your photos, camera, location, contacts, microphone, call logs etc. See these guides for how to manage app permissions on [Android](https://www.howtogeek.com/230683/how-to-manage-app-permissions-on-android-6.0) and [iOS](https://www.howtogeek.com/211623/how-to-manage-app-permissions-on-your-iphone-or-ipad). On Android, there is a great app called [Exodus Privacy](https://play.google.com/store/apps/details?id=org.eu.exodus_privacy.exodusprivacy), that displays all permissions, and trackers for each of your installed apps
 **Opt-out of data sharing** | Optional | Many apps and services automatically opt you in for data collection and sharing. Often this data is sold onto third-parties, who buy customer logs from many companies, and are therefor able to combine them together and easily deduce your identity, and combine it with your habits, purchases, personal details, location etc. For instructions on how to opt-out, see [Simple Opt Out](https://simpleoptout.com)
 **Review and update social media privacy** | Optional | Companies regularly update their terms, and that often leads to you being opted back. Check you Facebook, Twitter, Google etc activity and privacy settings. See also [re-consent](https://github.com/cliqz-oss/re-consent) and [Jumbo](https://www.jumboprivacy.com) which are tools aimed at making this clearer and easier
 **Compartmentalise** | Advanced | [Compartmentalization](https://en.wikipedia.org/wiki/Compartmentalization_(information_security)) is where to keep several categories of digital activity and files totally separate from each other. It means that if one area is breached, then an attacker will only have a proportion of your data, and the rest will still be safe. For example, store your work and personal files on separate devices, or use different web browsers for different types of activity, or even run certain tasks in a contained VM or on a separate device (such as having a work phone, and personal phone, or using a separate browser for social media/ chat rooms, or even running a VM for using specialist software)
+**Use anonymous payment methods** | Advanced | Paying online with credit or debit card involves entering personal details, including name and residential address. Paying with cryptocurrency will not require you to enter any identifiable information. Both [Monero](https://www.getmonero.org) and [Zcash](https://z.cash/) are totally anonymous, and so best for privacy. See also: [Anonymous Payment Methods](https://github.com/Lissy93/personal-security-checklist/blob/master/6_Privacy_Respecting_Software.md#payment-methods)
 
 
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