This document proposes a new approach for online payment systems that aims to improve security and privacy. It uses a combination of steganography and visual cryptography techniques. In the proposed system, a customer's payment details sent to an online merchant are minimized to only the necessary data for fund transfer verification. The customer's credentials are first encrypted within an image using LSB steganography. This image is then split into two shares using visual cryptography. One share is kept by the customer and the other by a certified authority. During an online purchase, the shares are combined to retrieve the encrypted data and send to the bank for verification, allowing the transaction if the customer is validated. This aims to protect the customer's payment information and prevent misuse