Is Temu Safe to Buy From & Use for Credit Card Orders (2024)

Shopping online for great deals has never been easier, and Temu might have caught your eye with its promise to let you shop like a billionaire. Known for affordable prices and deals on everything from clothes to home goods, Temu has become popular with bargain hunters worldwide. However, the website has been under scrutiny due to data collection practices.

While Temu is a legitimate platform, it’s important to be cautious when entering sensitive information online. To enhance safety, use strong passwords, enable two-factor authentication, and consider a reliable VPN to keep your data secure and shielded from prying eyes on any network.

If you frequently shop on Temu, ExpressVPN is my top choice for protecting personal and payment data. With military-grade encryption, ExpressVPN keeps your online activities private, blocking many ads and trackers along the way. Plus, you can test its features risk-free with a 30-day money-back guarantee, helping your shopping experience on Temu stay as safe as possible. Editor's Note: Transparency is one of our core values at vpnMentor, so you should know we are in the same ownership group as ExpressVPN. However, this does not affect our review process.

Shop Safely on Temu >>

Short on Time? Here Are the Best VPNs for Temu in 2024

Editor's Note: We value our relationship with our readers, and we strive to earn your trust through transparency and integrity. We are in the same ownership group as some of the industry-leading products reviewed on this site: Intego, Cyberghost, ExpressVPN, and Private Internet Access. However, this does not affect our review process, as we adhere to a strict testing methodology.

Is Temu Safe and Will a VPN Help?

Shopping on Temu can be a great way to score deals, but it's worth taking a closer look at safety and privacy. Temu is a legit site with secure payment options and buyer protection in place, but reviews are mixed — some shoppers have raised concerns about customer service and product quality. Besides, many Trustpilot reviews note the high volume of unwanted emails after a purchase, although it should be possible to easily unsubscribe.

A striking 44% of customers rated their experience 1 star — the lowest possible rating

Additionally, the site may be collecting a substantial amount of your personal data, including your name, email address, home address, phone number, payment information, purchase history, and even photos and videos. If you’re shopping regularly on Temu, taking some extra steps to protect that information is a smart move.

That’s where a VPN comes in handy. By encrypting your internet connection, a VPN makes it much harder for anyone to intercept sensitive information like your credit card details. It also conceals your IP address, limiting the data Temu and other companies can collect for targeted ads and personalized tracking.

Reports have raised privacy concerns about Temu’s app due to its extensive permissions. Although a VPN doesn’t directly control app permissions, it does help by reducing the identifiable information Temu can access, adding a layer of anonymity to your shopping experience.

Is Temu Safe to Use With PayPal and Apple Pay?

Using PayPal and Apple Pay on Temu is generally safe. These payment methods add layers of security to your transactions. Additionally, Temu employs 3D Secure (3DS) authentication for credit card transactions, which involves verifying your identity to prevent unauthorized use. The platform also complies with the Payment Card Industry Data Security Standard (PCI DSS), ensuring that all credit card data is handled securely.

How to Safely Buy From Temu

While Temu provides secure payment methods and buyer protection, practicing good online safety habits can make all the difference in ensuring a smooth, worry-free shopping experience. Here are some essential tips to help you safely shop on Temu:

Step 1. Create a Strong Account Password

Start by setting up a Temu account with a unique, strong password. Avoid using easily guessable information, such as your name or birthdate. Good passwords are at least 10 characters long and made up of randomized numbers, letters, and symbols. If in doubt, check the strength of your password using our dedicated tool. To further protect your email from phishing attempts, you might also use an alias or a secondary email address to register for a Temu account.

Consider using a password manager for added security

Step 2. Enable Two-Factor Authentication (2FA)

Turn on two-factor authentication on your Temu account. This adds a second layer of security by requiring a unique code to be sent to your phone or email in addition to your password, reducing the risk of unauthorized access.

You’ll want to have your phone nearby to confirm the process

Step 3. Vet the Sellers

Before making a purchase, check the seller’s ratings and customer feedback. Look for sellers with numerous positive reviews and avoid those with recurring complaints about product quality or shipping issues. Temu highlights verified vendors with a blue badge and check mark — prioritizing these can help ensure a reliable shopping experience. Steer clear of vendors with primarily negative feedback or very few reviews.

Be sure to check both negative and positive reviews

Step 4. Look for Secure Payment Options

Opt for secure payment methods like credit cards or platforms such as PayPal and Apple Pay. While Temu secures transactions with HTTPS, TLS, and SSL encryption, using a credit card or trusted services adds extra protection against fraud or disputes. Avoid direct bank transfers, which provide limited buyer protection.

Payment methods include major credit and debit cards, Apple Pay, and PayPal

Step 5. Use a VPN for Added Protection

Consider using a VPN to further protect your data. A VPN makes it difficult for hackers to intercept sensitive information, especially if you’re on public WiFi. It also limits Temu tracking. ExpressVPN is an excellent option to enhance your online security while shopping.

Just visit the download page and it'll automatically detect your OS

Step 6. Check for HTTPS and Secure Checkout

Ensure the website URL starts with https:// rather than http://. This indicates a secure connection. Also, look for Temu’s secure checkout page, which should include encryption protocols to protect your data during transactions.

If the connection isn't secure, leave the site immediately

Editor's Note: Transparency is one of our core values at vpnMentor, so you should know we are in the same ownership group as ExpressVPN. However, this does not affect our review process.

Best VPNs to Use With Temu in 2024

By choosing the right VPN service, you can use Temu without snoopers stealing your data. My top choices offer robust security, fast speeds, extensive server networks, and ad/tracker blockers.

1. ExpressVPN — Robust Security and Excellent Speeds for Safe and Uninterrupted Shopping on Temu

Editor’s Choice Editor’s Choice Try Risk-Free for 30 Days
Tested December 2024

Available on:

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Try ExpressVPN >

www.expressvpn.com

ExpressVPN lets you safely shop on Temu. Military-grade encryption safeguards your personal and payment information while you browse and make purchases. During my testing, I didn't notice any IP leaks, which means my actual location was hidden.

It’s also the fastest VPN we tested. The download speed dropped by only 6%, which is impressive, as many VPNs can slow you down by 50%. A slow VPN can lead to timeouts or delays, which may disrupt your payment process or lead to abandoned carts.

While ExpressVPN's high-quality features come with a higher price tag, it often offers discounts to make it more affordable. Plus, thanks to a 30-day money-back guarantee, you can test ExpressVPN with Temu risk-free.

2. CyberGhost — Beginner-Friendly Apps to Securely Shop on Temu Without Hassle

Available on:

Windows Mac Android iOS

Chrome Router Smart TV More

Try CyberGhost VPN >

www.cyberghostvpn.com

CyberGhost provides beginner-friendly apps, making it a great option if you're new to VPNs. Its simple interface allows you to quickly connect to a secure server, keeping your personal data safe while shopping on Temu, all without needing technical expertise. During testing, it took me around 2 minutes to download and set CyberGhost up.

Sadly, CyberGhost's monthly plans are pretty pricey. However, long-term subscriptions are more cost-effective, starting at only $2.19/month. These plans also include generous 45-day money-back guarantees, so you can try CyberGhost for free.

3. Private Internet Access — Unlimited Simultaneous Connections for Safe Temu Shopping on All Devices

Available on:

Windows Mac Android iOS

Chrome Router Smart TV More

Try Private Internet Access >

www.privateinternetaccess.com

PIA stands out with its unlimited simultaneous device connections, allowing you to use Temu safely across all your devices. In my tests, I connected 7 devices at once and didn't notice any interruptions when shopping online.

PIA’s wide range of customization options might feel a bit much for beginners. However, the default settings are optimized for secure online shopping right from the start. Plus, if it doesn't meet your expectations, all plans come with a 30-day money-back guarantee.

Our Methodology for Testing VPNs for Safe Shopping on Temu

A VPN for safe Temu shopping must have multiple key features. We first tested VPNs’ reliability across various shopping sites, checking if they could handle numerous pages without long loading times. Additionally, your chosen VPN should offer robust security features, such as AES 256-bit encryption and IP leak protection, be user-friendly, and compatible with multiple operating systems.

What Are the Risks of Temu and Why Is Temu Controversial?

Temu has garnered attention for its low prices and wide product range. However, there are several risks associated with shopping on this platform:

• Temu shares data with third parties. According to its privacy policy, Temu may share personal information with third parties, including advertisers, service providers, and business partners.
• Political influences and concerns. While there's no concrete evidence of Temu selling data to the Chinese government, US lawmakers have expressed concerns about potential misuse of data. House Republicans have called for investigations into Temu's data practices, drawing parallels to concerns raised about TikTok.
• Malware found on Temu's sister app. In March 2023, Google suspended Pinduoduo (Temu's sister app) from its Play Store after discovering malware in some versions of the app available outside the official store. The malware was reportedly capable of elevating administrative privileges, stealing personal data, and installing malicious software on user devices. CNN has since reported that the majority of the fired Pinduoduo developers found new jobs at Temu.
• Uyghur forced labor concerns. The Uyghur Forced Labor Prevention Act (UFLPA) prohibits imports from China’s Xinjiang region due to concerns over forced labor. A US House report found that Temu lacks safeguards to verify products’ compliance with this law, which raises concerns about the legality of some items sold on the platform.
• Copyright concerns for independent artists. Small businesses and artists have claimed that Temu vendors copy and sell their original designs without consent. For instance, Leora Aileen, a Netherlands-based artist, saw her illustrated tote bag listed on Temu for less than half her price. Although Temu removed it after her complaint, a similar version soon reappeared from another vendor.
• Gift card scams. Scammers may offer fake Temu gift cards or gifts, hoping to trick you into sharing personal information or making payments. To avoid falling for these schemes, only purchase Temu gift cards directly from the official Temu website or app.
• Customer service challenges. Some customers experience issues with Temu’s customer support, especially around refunds or product issues. Fake customer service impersonators have also attempted to steal user account details, adding further risk. Notably, Temu lacks accreditation from the Better Business Bureau (BBB), a standard many major retailers meet, which may affect consumer trust.
• Quality control concerns. Product quality on Temu varies widely due to a mix of suppliers. Some customers receive items that don’t meet their expectations in quality or craftsmanship, making it a mixed experience for shoppers. Even worse, the UK documentary The Truth About Temu: Dispatches found that certain items purchased through Temu had harmful levels of chemicals, such as lead and cadmium.
• Ethical and environmental concerns. Like similar budget-focused e-commerce platforms, Temu faces scrutiny regarding labor practices and environmental impact. For shoppers who prioritize ethical choices, these factors may be worth considering.
• Affiliate link impersonations. Scammers sometimes pose as legitimate affiliates, posting fake Temu links to lure users to phishing sites. Always verify links from trusted sources to avoid potential scams.
• Fake Temu codes and promotions. Fake Temu discount codes or promotions promising free money are common on social media. Always check codes through the official Temu site or app to avoid potential scams.
• De minimis tax exemption. Temu utilizes the de minimis exemption, allowing packages under $800 in value to enter the USA duty-free. While this keeps prices low for US shoppers, it has raised questions about its impact on local businesses.
• Fake products. Some users report seeing counterfeit items like knockoff Air Jordans listed for under $50. The presence of imitation products can mislead shoppers seeking authentic items.

Despite these controversies, Temu has shown efforts to meet high standards for mobile application security. The platform received the Mobile Application Security Assessment (MASA) certification from DEKRA, a globally recognized safety organization. Additionally, Temu has partnered with HackerOne to establish a bug bounty program, which encourages ethical hackers to identify and report any security vulnerabilities they find.

Temu vs. Other E-commerce Platforms: A Safety Comparison

You may reference the table for a quick comparison of safety features across several online shopping platforms:

Additional Tips for Safe and Smart Shopping on Temu

By following these tips, you can enhance your shopping experience on Temu to be both safe and satisfying:

• Research products thoroughly. Before making a purchase, take the time to read product descriptions, specifications, and customer reviews. Look for ratings and feedback to gauge the quality and reliability of the items you’re interested in.
• Be wary of super cheap deals. If a deal looks exceptionally cheap, it may be a red flag. Research the typical price range for the product to avoid potential scams or subpar quality. Avoid spending large sums of money on the platform to minimize your losses if you fall victim to fraud or another unforeseen event.
• Understand return policies. Familiarize yourself with Temu's return and refund policies before making a purchase. Knowing how to return items or request refunds will save you time and frustration if something doesn't meet your expectations.
• Monitor your bank statements. After shopping on Temu, check your bank and credit card statements for unauthorized transactions. Reporting any suspicious activity immediately can help mitigate potential fraud.
• Track orders. After making a purchase, track your orders to stay updated on shipping status. This will help you anticipate delivery times and manage expectations.
• Use buyer protection features. Take advantage of Temu’s purchase protection program, which ensures 90-day refunds if you don’t receive your item, the product is significantly different from the description, or it is damaged.
• Use a one-time virtual card for online shopping. This means that even if the card data falls into the wrong hands after a purchase, it can’t be used to steal additional money from a buyer’s account.

If you suspect you’ve been scammed on Temu, it's crucial to take immediate steps to protect your finances and secure your devices. Start by reaching out to Temu's customer service to report the fraudulent vendor or transaction — they may be able to assist with an investigation or provide guidance. Next, contact your bank or credit card provider, explaining the situation and requesting a reversal of the charges if possible.

In addition to notifying Temu and your bank, consider reporting the incident to authorities like the Federal Trade Commission (FTC) and filing a complaint through the FBI’s Internet Crime Complaint Center (IC3) website. You can also use the Better Business Bureau’s Scam Tracker to report the issue, helping alert other consumers to potential fraud. Taking these steps promptly can mitigate the damage and increase your chances of recovering any lost funds.

FAQs on Using Temu

Who owns Temu?

Temu is owned by PDD Holdings, a Chinese company that also owns Pinduoduo, a major e-commerce site in China known for its group-buying deals. Because they’re under the same ownership, Temu and Pinduoduo share some policies and practices. While many people assume Temu and Shein are related, they’re actually completely separate companies with different owners.

In 2023, Pinduoduo faced scrutiny after some versions of its app were found to contain spyware, resulting in Google removing it from the Play Store. Although there’s no concrete evidence linking this data to the Chinese government, US lawmakers have raised concerns about how such data might be used.

Is Temu legit?

Yes, Temu is a legitimate online marketplace. While it offers low prices and a broad product selection, some customers report issues with product quality and shipping times. Additionally, Temu has faced scrutiny over data privacy concerns and ethical practices. Though efforts have been made to boost security, prospective buyers should be aware of these risks before shopping.

Why is Temu so cheap?

Temu’s prices are significantly lower due to its direct connection with manufacturers. By eliminating middlemen, the platform can offer bulk products at lower prices, benefiting from mass production and lower shipping costs. However, these low prices have also attracted scammers looking to take advantage of unsuspecting buyers, so it’s important to stay cautious when shopping.

Does Temu steal my information?

Temu has faced allegations regarding its data collection practices. A class-action lawsuit claims that Temu's in-app web browser secretly tracks users, compromising personal information. Additionally, concerns have been raised about the app's extensive access to user data, which some experts believe could pose privacy security risks. While Temu denies these allegations, it's advisable to exercise caution and stay informed about the app's data handling practices.

In which countries is Temu accessible?

Temu is accessible in multiple countries. This includes the US, Canada, Australia, New Zealand, South Africa, the UK, and various European regions. The platform continues to expand its reach, so availability may increase over time. You can use a reliable VPN to safely access Temu from anywhere.

To summarize, these are the best VPNs for safely using Temu...

Editor's Note: We value our relationship with our readers, and we strive to earn your trust through transparency and integrity. We are in the same ownership group as some of the industry-leading products reviewed on this site: Intego, Cyberghost, ExpressVPN, and Private Internet Access. However, this does not affect our review process, as we adhere to a strict testing methodology.

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