How to buy things online without a Credit Card Using Simple Alternatives.
How to buy things online without a Credit Card: Shopping online is an easy and fun way to buy items. It can be a pain if you don’t have a credit card. There are many online stores that accept different payment options. To make online purchases, you must have a payment method that’s accepted over the internet.
This typically means a credit card, but there are ways to shop online even without a credit card.
Credit Card Alternatives for Online Shopping
Virtual Credit Card
This is a highly recommended way of getting around having a credit card.
Even if you possess a credit card but don’t want to use it online, you can make use of this option. You basically set up this virtual card and EFT funds on to it from your bank account, or you can top it up with your credit or debit card. Some virtual credit card services even allow you to top up with cash at a till point in a store, so you wouldn’t even need a bank account in this case.
From there, you can use it online like you would a regular credit card, except it won’t work with stores that require AVS (Address Verification System). Virtual credit cards do sometimes employ the use of mobile devices, but you can get around this by using emulation software so you can even run it on your PC, like Bluestacks.
You can link a PayPal account to your checking account, and any purchases you make through PayPal will be deducted from that checking account.
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 offers 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.
To shop online using your debit card, you’ll need to input the 16-digit card number along with the expiration date, security code, and billing address (the address where you receive your bank statements).
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.
Borrow Someone Else’s Card
You may have a friend or relative who’s willing to let you use their credit or debit card for what you need to buy online, 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.
However, note that some retailers may not allow shipping to different 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.
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 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.
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.
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.4
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 or credit card. You can apply for a prepaid card online or visit a retailer like CVS, Walgreens, or Walmart.