I personally would never purchase online with my own credit card or ATM card.
To get around this, I purchase a Visa card from my local store and use that to purchase the item.
I used to be a programmer and know for a fact how fast you could get hacked. The business (which was government) was hacked within 20 min. We had to bring the whole system down. If that can happen, anything can.
Remember even Sarah Palin's e-mail was hacked when she was running for president.
I'm sorry to be so leary, but I worked with some weirdo's who thought it was a game to hack. To them it was like solving a puzzle.
To me it is much better to pay the extra fee then to have my identity stolen.