Sites That Let You Buy Gift Cards Online With Checking Account: Buy Egift Cards Online Instantly
Shopping for the best gift for your best friend or your loved one? Nothing can be better than letting him choose his own present with a gift card. A gift card will make shopping easier and a lot less of a hassle for you.
And even if you donât have a credit card or a debit card, you can shop for a gift card online? You can actually use your checking account to pay for your purchases online at top stores.
Activating Visa Gift Cards
Some online card purchases arrive already activated, while others require activation. You must call an 800 number to activate some cards, while you can register others online. To register online, you typically enter the gift card number and an activation code. With some online vendors, only bulk purchases require activation.
Visa Virtual Account Faq
A Visa Virtual Account is delivered via email and delivery may take up to 24 business hours from the time of purchase.
Visa Virtual Account is only redeemable online and the balance of the card must cover the full amount of the transaction. Heres a tip! If the Visa Virtual Account balance is less than the transaction total, then first use the Visa Virtual Account to buy an eGift card from the online merchant. When the merchants eGift card arrives, apply the merchants eGift card to your purchase and pay the remaining balance due with a debit or credit card.
Both Visa gift cards and Visa Virtual Account are redeemable wherever Visa is accepted, however, Visa Virtual Account are only redeemable online and the balance of the Virtual Account must cover the full amount of the transaction. Visa gift cards are shipped via USPS or UPS, depending on the shipping method selected. Visa Virtual Account are delivered via email.
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Getting Started With Visa Reloadable Prepaid Card
Visa Prepaid cards are easy to use and reloadable, which means you can add funds onto the card at any time!
These Cards are great for every day spending such as coffees, groceries and online shopping. They are also ideal to give to younger children as an allowance card or for school field trips.
With Visa Reloadable Prepaid cards, you are protected under Visa’s Zero Liability policy 1 and the cards are secure and convenient.
Visa Gift Cards Are Sold In Some Banks
Another place to buy Visa gift cards is from your bank. Not all banks sell them, but those that do typically sell cards to existing customers at a competitive ratearound $4 for any load value.
The primary benefit of buying gift cards from a bank is that you may be granted additional security features such as the same protection that comes with the banks credit or debit cards. The downside is that you typically have to be an account holder with the bank in order to buy a gift card. Check your bank to see if you can buy gift cards and what additional benefits are given to existing customers.
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Difference Between Gift Cards Egift Cards
Gift cards come in all shapes, sizes, and brands and basically, you can get a printed, plastic gift card or an electronic gift card or eGift card. Which is better and which one is more preferred?
Both types of gift cards come in different denominations from as low as $5 to as high as $250 or even more. However, printed gift cards or plastic/cardboard gift cards are physical cards that are usually hand-given or from the mail. These cards may be used in an actual store or restaurant and online but this may depend on the instructions on how to use the card. It could take a long time for an actual gift card to get to the recipient. When you order a gift card to be sent to a recipient, it will be sent via snail mail or delivered by a special courier. This could take days to do so.
On the other hand, electronic cards or e-cards are sent through email and may be used in an actual store or online store. These may or may come with a personalized message and are received as soon as you purchase the e gift card from the online store. And as soon as these are received, the recipient can immediately use it.
When it comes to convenience when buying online, both types of gift cards are very efficient. All you need to do is to visit the storeâs official website and make a purchase. Upon check out, choose âgift cardâ to pay for your purchases. The amount will be deducted from the amount you have on the card and the balance is kept for a specific amount of time.
Buy A Visa Gift Card Online Within Seconds
Need a fast and secure way to pay all across the internet? Buy your Visa Gift Card online and receive your code straight to your inbox. Shop online with added security in seconds, anywhere where Visa Debit Cards are accepted or at any U.S. merchant that accepts Discover® Cards. Simply redeem it immediately, or within 6 months at MyPrepaidCenter to receive the card number, security code and expiration date of your virtual Visa Gift Card instantly. Start shopping safely and conveniently in seconds.
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S To Buying Gift Cards With Paypal
If you select the Gift option , you will be prompted to enter the recipients name, email address, title, and message. Note that all gift cards are delivered v electronically, whether you purchase one for yourself or as a gift.
Problem #: Gift Card Fraud
Finally, thieves love gift cards. On his show, Clark shared how he heard a story from someone who went to use a new Visa gift card, but the value had already been emptied.
Visa gift cards can be replaced if theyre lost or stolen, but there may be a fee involved sometimes $5 or more.
This is just one more reason Clark prefers credit over debit or gift cards. If you report a credit card lost or stolen, no money typically comes out of your pocket.
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Are There Any Restrictions When Paying With An Instant Visa Gift Card
Your card should be accepted on any U.S. website that accepts Discover® Cards as a payment method or Visa Debit Cards internationally. It cannot be used for recurring bill payments, memberships, subscriptions, hotel and/or car rental reservations, or getting cash at ATMs. Depending on the merchant, split tender payments may be declined, extra fees or restrictions may apply. Be sure the prepaid balance of your card can cover the total amount of your order.
Why Should I Register My Visa Gift Card
There are several benefits:
- It enables you to make purchases online. Your registered address will serve as the billing address that retailers require.
- It enables representatives to more quickly assist you when you need assistance.
- It protects you if your card is ever lost or stolen, so that you can be reimbursed for funds lost.
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Visa Gift Cards Are Sold In Stores
Walk into any major grocery store, drug store or gas station and you will likely find a rack of gift cards. Among the cards for stores and restaurants, youll also see general purpose gift cards powered by major credit card companies.
Though you cant personalize these gift cards, you can buy them off the rack in various denominations. Activation rates Ive seen for a $100 Visa gift card range right around $6.
Visa Gift Cards Are Sold Online
An easy place to buy Visa® Gift Cards is online because you can order them right from your phone while youre out and about or you can buy one straight from your laptop or tablet when youre watching TV with your kids.
The best thing about ordering a gift card online is that you often have the ability to customize the Visa gift card with a name, greeting and possibly even a photo or video. The downside to ordering a Visa gift card online is that you might have to pay shipping charges and, unless you order an electronic gift card, youll have to wait for the plastic card to be delivered. If time is your friend, then this is the gift card I recommend.
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Visa Gift Card Troubleshooting Guide:
Having issues with your Visa gift card? Ask yourself the following questions to troubleshoot your issue.
- Did you make a typo? If you get an error when trying to make an online purchase with a Visa gift card, the first thing you should always do is check if the name, address, card number, and security card are all correct. Its very easy for a finger to slip and cause a typo.
- Is the merchant based outside the U.S.? If youre still having issues, check if the store youre trying to buy from is located outside the United State. Because of the recent legislature, most gift cards sold within the U.S. are restricted from being used at merchants outside of the U.S. If your card is a U.S.-only card it will say Valid only in the United States on the front.
- Are you trying to use your Visa gift card at PayPal? You will run into issuer blocking if you try to redeem your Visa gift card at a business where that allows you to convert a payment into cash. You cant convert your Visa gift card for cash because of money-laundering concerns. Since PayPal falls into this type of business, this is why you cant use your Visa gift card there.
- Are you trying to sign up for a monthly service? If you try using your Visa gift card to sign up for recurring services, its possible that the merchant may block prepaid cards from being used. They do this because they know there is only a limited amount of funds on the gift card and that the payment will fail eventually.
Where Are Visa Gift Cards Sold
With gift cards widely available online, in third-party stores, at banks and in a variety of other places, it would almost be easier for me to explain where you cant buy Visa® gift cards. But there are differences in the cards themselves and especially in the purchase price of each.
If you want a personalized Visa gift card, for example, youll have to order it online. If you want a Visa gift card quickly, youll need to buy it at a grocery store or send an electronic gift card instead. If you want to pay a low activation fee, then the gift cards at Giftcards.com are some of the lowest Ive found.
Of course, Im not a lawyer so I cant give legal advice, but I can speak from my own experiences. Below, Ill share the most common places Visa gift cards are sold and the benefits of each.
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How To Check Gift Card Balance
One of the most important things you need to understand about gift cards is that any balance that you leave on the card usually doesnât expire. Like carrying your own wallet when you shop online, you just buy what you need and leave the remaining amount in the gift card.
If you want to find out the balance on your card, simply log on to your account from the shopping site, find the gift card tab and find the button that allows you to check your gift card balance. Most shopping sites like Amazon, Best Buy and Target gift card balances do not expire. You may also be able to reload your card using your credit card, bank account or even your checking account.
Buying Gift Cards In Person
Visa gift cards are sold at banks, grocery stores, big-box stores, and many other retailers nationwide. You can search banks in your area through a basic internet search and visit them for the card. The same internet search as simple as ”Visa gift cards” can provide alternatives on where the cards are available. You need to have an internet connection on your iPhone or computer and also turning on your GPS to locate Visa Gift centers in your location.
The cards are usually sold like any other retail item, which means you can pay by check, debit card, credit card or cash, depending on the store. When you buy Visa gift cards in a store, the cashier must activate them at the register.
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How Can You Buy Gift Cards From A Bank Branch
If online banking is not your thing, you can walk into a bank branch, request for a Gift Card application form. You must fill out all the knowledge requested in the state, like your personal details, contact information, information about the recipient, and payment mode. This form also duplicates up as a consent form that empowers the bank to debit the gift amount from your account.
Protection For Unauthorized Purchases
Use your Visa card to make purchases anywhere and you’re protected from unauthorized use of your card or account information. With the Visa Zero Liability policy1, your liability for unauthorized transactions2 is $0-you pay nothing.
1 Visa’s Zero Liability Policy covers Canada-issued cards and does not apply to anonymous Visa Prepaid*, Visa Purchasing, Visa Corporate, Visa Commercial, or any transactions not processed by Visa. Visa Cardholders must notify their financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please refer to your issuer cardholder documentation.
*A Visa Prepaid Card will be considered anonymous if the cardholder’s identity has not been validated by the issuing financial institution .
2 Financial institutions may exclude from the Zero Liability policy a transaction made by a person authorized to transact business on the account and/or a transaction made by a cardholder that exceeds the authority given by the account owner.
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About Virtual Visa Gift Cards
The Virtual Visa eGift is the perfect gift for people who need to send a gift immediately but are not sure what their friend or family member wants. The Visa egift card can be used for online purchases wherever Visa debit or credit cards are accepted in the U.S. The Visa Virtual gift card is sent by email and generally arrives within 15 minutes of your purchase. Your recipient simply clicks a link to claim their gift and will be provided with a 16-digit Visa card number, security code, and expiration date to start shopping online!
Visa Gift Card Payments Faq
Giftcards.com accepts Visa, Mastercard®, Discover®, and American Express® credit and debit cards registered to U.S. addresses. Gift Cards cannot be used to purchase additional gift cards. We dont presently accept international orders.
eGifts are delivered electronically and can only be used for online or over the phone purchases. There are no shipping fees for eGift cards. Refer to our Purchasing Fee Schedule page for more information.
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Can I Create A Pin
Yes – you can create a pin on the Gift Card website by selecting “My Pin” under the My Settings tab.
You can also request one at the time you activate your card using the toll-free number on the sticker. There is no charge for using the voice response system. If you activate your card on the website, you will need to call to request a PIN.
Link Your Checking Account To Your Paypal Account
If you have an active PayPal account, you can link a checking account to this account and pay for your purchases. First, you need to arrange your checking account as your payment option at PayPal.
Log in to your account and enter your checking account number and other information that PayPal needs to verify your checking account such as your nine-digit bank routing number. The verification process usually takes one to five days so you need to wait a few more days before you can shop.
But once your account has been enabled, you can now shop at any online store that accepts PayPal payments. You can now shop gift cards for your friends and loved ones.
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The One Big Catch: Insufficient Funds
This is the most common issue people have when using Visa gift cards online. So whats the problem?
Well, using a Visa gift card online is a little different than using that same gift card in a store.
When you go to the store with a $25 Visa gift card and buy something thats $30, the cashier would use the Visa gift card and then ask for a second form of payment for the remaining $5. This is known as a Split Tender Transaction.
Unfortunately, almost no online merchants are set up to accept Split Tender Transactions. This means if you attempt to buy something that exceeds the value on your Visa gift card youll get an insufficient funds error.
There are some hacky ways around this that allow you to use a Visa gift card for partial payment.