A new online payment system is proposed that uses steganography and visual cryptography to protect customer information and prevent identity theft during online shopping. The system embeds a customer's authentication password into an image using text-based steganography. The image is then split into two shares using visual secret sharing so that only combining the shares reveals the full image. One share is kept by the customer and one by a certified authority. During a transaction, the shares are combined by the authority to recover the password and authenticate the customer, allowing funds to be transferred without revealing sensitive details to merchants.