Customers are scared to buy online. What can convince them? Suggestions?

We sell to consumers and I want a good script to explain "how selling online is much more secure that purchasing in say Target or at a restaurant".

Here's what I've got so far and would love suggestions.

"You should not be afraid to buy from online merchants. Typically buying online is going to be very low risk. If you go to a restaurant and give your card to a waiter there is practically no protection because they physically have the card. They are able to capture your information in seconds with skimming devices. Conversely buying online is typically much more secure because your purchase is secured and encrypted at every step in the transaction. Employees of online merchants won't have access to your credit card information and there are security procedures in place which makes it very difficult for an employee to steal your information."

While I recognize that there are a lot of assumptions this statement makes, the intended audience is a non-technical person who probably writes passwords on sticky notes. :)