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How Can I Use Gift Card

What Is An Egift Card And How Do I Use It

How to Pay on Amazon Using a Gift Card

PayForward Member Services

Watch a quick how to video on how to get and use an eGift card.

Once upon a time, eGift Cards were once called eCards and before that Mobile Pay, but we got just as confused by what this meant as you did so we decided to remove Mobile Pay from our vocabulary. Heres what eGift Card means and how to use them.

Whether you’re out shopping or purchasing something online, an eGift Card is one way you can earn cash back. Think of an eGift Card like an electronic gift card. The best part of buying an eGift Card through PayForward merchants is that you earn cash back from the gift card amount.

There are two ways eGift Cards work: 1) instead of carrying a plastic card in your wallet, you can purchase an eGift Card on your mobile phone when youre ready to check out of a store or restaurant. Or 2), purchase an eGift Card online and print it out to take with you when you go shopping or give it as a gift to a loved one.

You have a choice of buying the eGift Card for the total in-store purchase price or selecting an amount that will give you left over cash in your PayForward Spending Account to be used later just like a gift card. eGift Cards may have a minimum and/or maximum amount.

All eGift Card purchases will be found in your PayForward Spending Account.

Lets get started:

1. Go to Shop. Merchants with eGift Card are eGift card merchants.

2. Tap the merchant you wish to shop at.

3. Select the payment source from your list.

5. Tap Purchase.

Website

Can You Use Gift Cards Online

Kroger

4 minute read

    Want to spend your gift card from the comfort of your couch? Most gift cards let you spend your credit online and get your stuff delivered directly to your door. Not sure how to use gift cards online? Weve created this easy-to-follow guide to help make online shopping with a gift card super simple.

    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.

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    Making A Purchase With Your Visa Gift Card

    What if I change my mind and want to cancel a purchase?

    If a merchant cancels a purchase transaction for you, it may take three to seven business days for the cancellation to show up on your Visa Gift card record and for the funds to be credited to your card and available for use. Check the balance on your card, either online or by phone, to see when your cancelled purchase transaction has been processed. Refer to the back of your card for the web site address/phone number of the financial institution that issued your card.

    Why was my Visa Gift card declined?
    • Your card may have expired. Check the expiry date printed on the front of your card. In this case, let the merchant know how much remaining balance you have on your card. The merchant may split the transaction and allow you to pay for part of your purchase with the Gift card, and then the remaining part of your purchase with another form of payment, such as a credit, debit or cash.
    • Your remaining card balance may be less than the value of the item you wish to purchase.
    • Merchants who only possess a manual imprint machine cannot accept Gift cards which have the phrase “ELECTRONIC USE ONLY” printed on the front of the card.
    • Some internet merchants use fraud protection software that may decline a Gift card purchase transaction.
    • Your card may not be activated or registered yet. Follow the activation and registration instructions that came with the card, or contact the card issuer

    Make Note Of Your Balances

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    Again, simple idea here: Some of the newer gift cards have a little box on the back of the card that let you write in the amount you have left after each purchase. Others give you nothing, so I suggest wrapping a sticky note around it with the balance written on it. The next time youre waiting to check out, you can easily identify which card will have the balance closest to your purchase amount.

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    Regift Unwanted Gift Cards

    One year, my husbands employer gave him two, 50-dollar gift cards to Benihana as an employee thank you gift. Benihana is one of our favorite restaurants, but we also happened to be a little pinched financially that year. So we kept one gift card to use and gave the other one to his parents for Christmas. In this case, we certainly wanted the gift card, but decided to regift it in order save money during the holidays.

    If you have an unwanted gift card that is in good physical shape and has a whole dollar amount left on the card, then consider gifting it to someone else. If the gift card looks like its been in your wallet for a few months or the gift card balance is an odd number , then see if you can take it to the store and get a replacement gift card that is more giftable. Although not all stores will let you buy a gift card with a gift card, I have done it multiple times. Since there is no federal or state law governing whether or not a gift card can be used to purchase another gift card, each store is allowed to set its own policy. If you redeem the used-looking gift card online, you may be able to have the new gift card wrapped, packaged and delivered to the recipient, free of charge.

    Make it a group gift! Tie your unused gift card to a gift card tree or wreathe.

    Look for your brand gift card in our Gift Card Balance Check Directory.

    How To Use A Gift Card Online

    Using gift cards online is so easy just like using your regular payment card. Whether someones sent you a plastic gift card in the mail or a digital gift card to your email, its really simple to use it to buy online.

    Heres how to do it:

  • First, decide what you want to buy and click add to cart or buy now. Heres when online shopping is great as you can clearly see your total while you shop
  • When youre ready to pay, click checkout and go through to the payment screen
  • Choose your payment option. If youre using a Visa or Mastercard gift card, just enter the card number like you would for a regular payment card. If youre using a brand-specific card, enter the details from your card or egift card email in the gift card box
  • Then just checkout and wait for your purchase to arrive!
  • Some retailers will let you use a gift card for part of the purchase, while others will only let you complete the transaction if you can cover the full cost with your gift card, so its worth checking out their terms and conditions before you fill your shopping cart!

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    Where To Buy The Stores Egift Card

    Sometimes you do not know the transaction is going to exceed the gift card balance until the shopping cart gets loaded up with shipping charges and taxes. When that happens, there are two ways to quickly get an egift card to use:

    1. Empty the Cart and Start Over When the total purchase is greater than the value of the gift card, one solution is to cancel the items in your cart and buy an egift card instead. When the egift card arrives, you can start over.

    2. Buy the eGift Card Elsewhere Another option is to buy the egift card from a different website. If you want a , for example, you can buy that here at GiftCards.com.

    Here are all the egift cards we sell plus a list of top store and restaurant egift cards.

    The Tricky Thing About Using Visa Gift Cards Online

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    The most important thing to know about using a gift card online is that you enter the Visa gift card number into the debit or credit card payment field rather than a gift card field.

    So if the dollar value of transaction is greater than the dollar amount on your Visa gift card, the transaction will decline and you will not be given the chance to enter a bank card to pay the difference.

    If this happens to you, do not worry. Ive got some gift card hacks to help you use your gift cards online even when your gift card is less than the balance.

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    How To Use Up Remaining Balances On Prepaid Gift Cards

    This post contains references to products from our advertisers. We may receive compensation when you click on links to those products. The content is not provided by the advertiser and any opinions, analyses, reviews or recommendations expressed in this article are those of the authors alone, and have not been reviewed, approved or otherwise endorsed by any bank, card issuer, airline or hotel chain. Please visit our Advertiser Disclosure to view our partners, and for additional details.

    Disclaimer: This site contains affiliate links from which we receive a compensation . But they do not affect the opinions and recommendations of the authors.

    Wise Bread is an independent, award-winning consumer publication established in 2006. Our finance columns have been reprinted on MSN, Yahoo Finance, US News, Business Insider, Money Magazine, and Time Magazine.

    Like many news outlets our publication is supported by ad revenue from companies whose products appear on our site. This revenue may affect the location and order in which products appear. But revenue considerations do not impact the objectivity of our content. While our team has dedicated thousands of hours to research, we aren’t able to cover every product in the marketplace.

    For example, Wise Bread has partnerships with brands including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi, Discover, and Amazon.

    Is There An Expiry Date For My Gift Card

    Due to the continued impact of coronavirus , we have made an additional extension to the expiry period of gift cards due to expire from 1 January 2021 to 30 June 2021. Any cards due to expire in this period have been extended to 30 September 2021.

    Your expiry date can be checked by visiting Showmybalance.com and simply entering the 16-digit card number and the cards PIN/Online Access code found under the scratch-off panel.

    Gift cards will either expire 24 months after the date of issue or 24 months from the last transaction . A transaction is a sale or a top up which is adding money to your card balance and can only be done when visiting a National Trust location.

    Any remaining balance is cancelled on expiry.

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    Register Your Visa Gift Card

    Registering your Visa gift card is a very similar process as activating it. Call the 800 number or go to the website associated with the gift card and put in the card information. But this time youll also have to include your personal information: name, address and phone number.

    You have to go through this process because many online merchants use a security procedure called AVS when accepting debit or credit cards online. Since your Visa gift card is an open-loop gift card, its processed and dealt with as if it were a debit card.

    How Do I Spend My Gift Card In The Online Shop

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    When ready to pay for items in your basket click Proceed to Checkout.

    • Complete the Delivery Details section
    • In the Payment Details section tick Our Agreement and payment options will show, including gift card
    • Enter the 16 digit gift card number, without any spaces or dashes
    • Enter the 8 digit PIN in the box below
    • Complete your purchase by continuing to pay any balance remaining

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    Analyze Your Spending Habits

    I dont shop at some major stores ever. Its not that I dont like them Ive just found them to be too far away geographically, or out of my comfort zone. For this reason, Ive become very familiar with the stores I use most, and their policies for using prepaid gift cards. Walgreens, for example, has no issues about letting me pay for a purchase with multiple methods of payment. This makes my local Walgreens store a great way to ditch balances with little interruption to my shopping routine. If Im taking advantage of a Walgreens Register Rewards deal, and want to buy several packages of diapers, I can just ask the cashier to apply $2.36 of my purchase to the gift card, then pay the remaining balance with my regular credit card or cash. Easy peasy. Other stores are really great about this too.

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    Why Online Payments Are Different

    Electronic gift cards are easy to use online because you dont have to print out a paper copy of the gift card or enter the number into a mobile wallet or gift card app in order to take the gift card to the store. You simply type the gift card or egift card number into the websites shopping cart and complete the transaction. Whether the gift card is plastic or electronic, using it online is especially easy if you have a store gift card, also known as a closed loop gift card.

    When you have an open loop gift card such as a Visa® Gift Card or Visa egift card, however, being able to use it online sometimes requires knowing a few tricks.

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    How To Redeem An Amazon Gift Card (And Use Your Gift Card Balance To Buy Stuff)

    Disclaimer: This site contains affiliate links from which we receive a compensation . But they do not affect the opinions and recommendations of the authors.

    Wise Bread is an independent, award-winning consumer publication established in 2006. Our finance columns have been reprinted on MSN, Yahoo Finance, US News, Business Insider, Money Magazine, and Time Magazine.

    Like many news outlets our publication is supported by ad revenue from companies whose products appear on our site. This revenue may affect the location and order in which products appear. But revenue considerations do not impact the objectivity of our content. While our team has dedicated thousands of hours to research, we aren’t able to cover every product in the marketplace.

    For example, Wise Bread has partnerships with brands including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi, Discover, and Amazon.

    Why all the answers that take so much effort? This isn’t a problem at all. I always just use my unused balances to buy gas. Stick the card in and it will pump right up to the last penny before turning off.

    Alas, here in New Jersey we aren’t allowed to pump our own gas, so that’s not an option.

    So it’s not always so simple Hopefully, your cashier will work with you to use the amount you have left in a reasonable manner 🙂

    Thanks for your comment!

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