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Using Debit card for online shopping

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I have found that if I want to make online purchases using my Standard Bank Debit card then the only option is to install Masterpass on my smartphone and add my debit card to the app. If I purchase from Takealot or Loot I go to the checkout page and tap the Masterpass option. I am then presented with a QR code or an open app button. I just scan the code on the computer screen or tap open app on my smartphone. I then select the card I want to pay with and enter my PIN and then my purchase is complete. The alternative is I-Pay where if you are registered for internet banking you can do an EFT directly into the merchant's bank account. If the website doesn't have these options then my debit card won't work. I don't know why this is like this.

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