11/20/2019 Make Purchases Online Without a Credit Card
CREDIT & DEBT CREDIT ISSUES
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BY LATOYA IRBY Updated November 10, 2019
To make online purchases, you must have a payment method that’s accepted over the
internet.Cheap
This typically means
Korean used a credit card, but there are ways to shop online even without
cars
a credit card. They include debit cards, prepaid cards, gift cards, PayPal, Amazon Cash,
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your checking account, or even borrowing someone else's card.
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11/20/2019 Make Purchases Online Without a Credit Card
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Debit Cards
Debit cards can be used to shop online as long as the card has a Visa or MasterCard logo.
Input the 16-digit card number along with the expiration date, security code, and billing
address (the address where you receive your bank statements).
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Cheap Korean used cars
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11/20/2019 Make Purchases Online Without a Credit Card
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The funds for the transaction will be deducted from the checking account linked to the
debit card. If you don’t have a debit card, contact your bank about adding one to your
existing checking account. Or, visit a local bank to open a new checking account and
request a debit card.
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Prepaid Cards
Prepaid cards are similar to debit cards, except
funds are loaded onto an account associated
with the card, not a checking account. Make
sure the prepaid card has a major credit card
network logo, such as Visa, MasterCard,
Discover, or American Express.
Prepaid cards are a great option for those who
can’t (or don’t want to) get a checking account
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or credit card. You can apply for a prepaid card
online or visit a retailer like CVS, Walgreens, or
Walmart.
Warning: Fraud protections are strongest for credit cards, so be careful shopping
online with alternate payment methods. Always verify that you’re on a legitimate
website. If hackers get access to your checking account or an account linked to
your checking account, they can steal your money. While you may be able to
recover most of the funds stolen from a checking account if you report the fraud
in a timely manner, prepaid cards and gift cards don’t o er the same protections.
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11/20/2019 Make Purchases Online Without a Credit Card
Gift Cards
Gift cards with a major credit card network, such as Visa or MasterCard, can be used at any
online store that accepts payment from that network. You can also use a retail-specific gift
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card to shop online, but typically only at that retailer’s website. For example, a Macy’s gift
card can only be used at Macy’s.
You can purchase gift cards in the same places as prepaid cards. Many of these locations
also sell retailer-specific gift cards, but of course, you can also purchase these directly
from the retailer.
PayPal
You can link a PayPal account to your checking account, and any purchases you make
through PayPal will be deducted from that checking account.
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If you have a Paypal balance from gifts, sales, or other money transfers, purchases will
typically deduct from that balance first and then from your checking account. Paypal’s
website has a list of online retailers that accept Paypal as a payment method.
PayPal also o ers the PayPal Cash Card, which is a debit card that you can use anywhere
MasterCard is accepted. The card is linked to your PayPal account.
Amazon Cash
Amazon Cash allows you to shop on Amazon.com without a credit or debit card. You just
add cash to your Amazon Balance at participating locations. You can scan a unique
barcode or use your mobile phone number to identify your account and add from $5 to
$500 to use for shopping on Amazon.
Your Checking Account
Though it’s not common, a few online retailers let you use your checking account and
routing information to make purchases. Check the payment options for the retailer to
confirm you can use your checking information. Linking your checking account to Paypal or
requesting a debit card from your bank will give you more flexibility to make online
purchases.
Borrow Someone Else’s Card
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11/20/2019 Make Purchases Online Without a Credit Card
You may have a friend or relative who’s willing to let you use their credit or debit card for
your online purchases as long as you give them the cash. When you use this option, be sure
to enter the correct billing address so the payment will process correctly.
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However, note that some retailers may not allow shipping to di erent billing and shipping
addresses because of the increased risk of fraud. Some credit card issuers may flag the
transaction as fraud. Indicating the purchase as a gift can dodge this problem.
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11/20/2019 Make Purchases Online Without a Credit Card
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11/20/2019 Make Purchases Online Without a Credit Card
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11/20/2019 Make Purchases Online Without a Credit Card
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