How can we let our 15-year-old daughter buy things online safely?

Hello all,

Our daughter has had a bank account since she was small, that my wife has put all checks she's gotten for Christmas/birthdays into. As a result, she now has several thousand dollars in the bank. Last year, we converted this into an account she has direct control over, with a debit card, so she can make her own purchases without carrying cash. She's actually very good with money, and seldom spends her own on anything other than gifts for friends, so there's zero chance of her drawing down her savings (we have the reverse issue - she never wants to spend money on herself).

However, buying things online is still a problem. My wife is really opposed to using a debit card for online purchases. However, since she's under 18, she can't get a credit card, and we can't set her up with a paypal account, which are the two ways we pay for things online.

I'm really at a loss on where to go from here. I don't use Venmo, but it looks like teen accounts are available. However, I've heard it's not as universally accepted as an online payment as PayPal. It seems like we might be able to add her to our existing credit card system, but then we'd need to track her purchases and ask her to pay us back, which is a lot of trouble when she has her own money. And the various "teen cards" out there which advertise make me nervous, as there's often a catch in these things.

Basically, we're just looking for something quick and seamless, like purchasing as an adult, without any needed extra steps.

Thanks.