How To Make Purchases Online Without A Credit Card
To make online purchases, you must have a payment method thats accepted over the Internet. This typically means a credit card, but there are ways to shop online even without a credit card. They include debit cards, prepaid cards, gift cards, PayPal, Amazon Cash, your checking account, or even borrowing someone else’s card.
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.
General Information & Getting Started
You can buy Mastercard Gift Cards online at MastercardGiftCard.com. You can also buy them at participating retail locations.
To view orders, sign in to MastercardGiftCard.com with your user ID and password, and view past orders under My Account. You can also click Track Orders and use your Email Address and Order Number.
Yes, Mastercard Gift Card sells Gift Cards for email delivery. Please select email as a delivery type on your choice of card and follow steps to purchase. Once you have purchased, your email Gift Card can be accessed as a Mastercard Gift Virtual Account.
Your expiration date is nine years from the date of purchase. This expiration date is listed on your account for your reference. Funds do not expire. Contact Mastercard Gift Card customer care for a replacement account number upon account expiration.
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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
Visa Gift Card Should Be Registered
Registration usually involves linking a name and billing address to the prepaid card. Though you generally are not required to register a gift card in order to use it in stores or restaurants, the process is fairly important if you intend to use the gift card online.
To make it harder to use a stolen credit card online, many websites use a procedure called Address Verification System to ensure the card number being used for payment matches the billing address on file with the bank. Since the Visa gift card number is entered into the same field used for a Visa credit card, the website will look for an AVS match even though it is less applicable to a gift card payment.
Registering the gift card allows you to update the address linked to the card. If the system will not let you update the information, you may at least be able to see what generic name and address has been associated with the card already.
If you have a Visa gift card or Mastercard gift card from Giftcards.com, activate your card and then look for a second step to register the card as well.
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Ways To Make Online Purchases Without A Debit Or Credit Card
Online shopping has increased 41% since 2014, a sure sign that internet-based consumerism isnt going anywhere and for good reason.1 Retailers often offer a larger selection online than in stores, not to mention the added convenience of home delivery. But until recently, that convenience has been largely out of reach for many of those who are unbanked or underbanked, as they often lack a credit or debit card to make online purchases with.
Fortunately for those without plastic payment systems, several retailers and services are ushering in alternative, cash-friendly solutions. Note that despite the convenience, many of these services come with various fees, so its essential to conduct careful research before committing to any card-less options.
Here’s What To Buy With Your Walmart Gift Card
CBS Essentials is created independently from the CBS News staff. We may receive commissions from some links to products on this page. Promotions are subject to availability and retailer terms.
There’s not much time left to finish up Christmas shopping: The holiday is less than one week away. And now that some Christmas shipping deadlines have already passed, the go-to Christmas gift for present procrastinators will almost certainly be gift cards.
If you happen to find a Walmart gift card in your stocking this year, then you’re in luck. Walmart has a great selection of products to shop from . With a selection ranging from hair and nail care to sensible purchases like an external hard drive to store all the photos you’ll be taking over the holidays, there’s something for everyone.
So whether you received a Walmart gift card, a Visa gift card or old-fashioned cash as a gift this year, CBS Essentials has compiled a list of great gifts you can give yourself, ranging from luxurious to practical. Here’s a curated list of great things to buy with your Walmart gift card.
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Can I Use Paypal To Buy A Visa Gift Card
You may presently use PayPal strictly for making payments, but did you know that PayPal sells gift cards for popular brands? PayPal Digital Gifts allows second chance checking with no opening deposit for users to send gift cards to friends and family. Plus, choose from hundreds of brands, including Amazon, Home Depot, iTunes, Best Buy, and more!
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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Can I Use My Gift Card To Purchase Something That Costs More/less Than The Balance Of My Gift Card
Yes. The cost of the item you are purchasing doesnt have to be the same as the balance of your card.
If you want to buy something that costs more than the balance on your gift card, all you need to do is give your retailer another payment method, like cash or debit card, to pay for the remaining cost.
Likewise, if you choose to buy something that costs less than the balance of your gift card, you can. After you make your purchase, the rest of the balance will carry over for you to use another time.
So if you buy a £50 Costa gift card, for instance, you can use it to buy lots of coffees until your balance runs out.
On The Brazilian Store
On the Brazilian store, following an update from Microsoft, to be able to use your balance you must add a credit card + address on the store in question.
For the credit card, you can use your own! No need for a Brazilian credit card
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They Offer Convenience But Can Come With Hidden Fees And End In Wasted Funds
Almost all retailers offer consumers gift cards as a way to shop or give money to friends, both in the online and brick-and-mortar variety. There are two types of gift cardsphysical and digital and each comes with a wide range of features and benefits. If youre interested in purchasing gift cards for others during the holiday season, or you want to buy them for yourself, it helps to understand how they compare with other payment methods.
Other Online Payment Factors To Consider
Consider these factors when shopping online to make your payment experience even safer.
- Saved card details. Internet browsers such as Chrome, Firefox or Safari may prompt you to save your details. While this can be convenient, it means your card information will be stored by a third-party service which could be compromised if that account is ever hacked.
- Incognito mode. Use the browsers incognito mode if youre using a public computer to make a purchase. This will ensure the computer doesnt save any of your personal information or Internet history during your session.
- For whatever reason, if your payment is declined or a payment error message appears, the transaction will not be processed. Your items may remain in your shopping cart so you can complete the purchase in the future.
- Currency conversion fees. Most credit cards apply a fee of 2% to 4% of the transaction when you make a purchase from an overseas merchant. If you regularly shop with international retailers online, you may want to consider a card with $0 foreign transaction fees to save money on this cost.
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Activate Your Visa Gift Card:
First, you have to make sure youre Visa gift card is activated. If you bought it in a brick and mortar retail store then your gift card was most likely activated when you bought it at the cash register.
If you bought your gift card online it is possible that you have to activate it. Normally all you have to do is go to the website thats printed on a label stuck on the card and enter the 16 digit number along with the security code. You may have to call the 800 number printed on the gift card if there is no website.
Not sure if youre Visa Gift Card is already activated?
Just go through the process of activating your card again. It wont hurt and youll know for sure if its already activated or not.
What Online Card Payment Looks Like
When you get to the online payment processing portion of checkout, enter the gift card number, expiration date and Card Verification Number into the fields you typically use for debit and credit card payments. Do not enter a Visa gift card number into the gift card field. That field is reserved for retailer-specific card numbers.
Below is an example of what online payment often looks like. This example shows many payment options including bank-issued debit and credit cards, store credit cards, PayPal, PayPal credit, a payment plan, store gift cards and even Bitcoin.
Most online shopping carts do not have this many ways to make a payment, but nearly all have a place to enter a credit card that is different from the area in which you would enter a gift card .
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Using Your Bank Account
How Can You Get Cash From Your Visa Gift Card
Although you can pay your bills or purchase items using your Visa Gift Card, you cannot get cash from it. You can get money back if you have the Visa Prepaid Card .
Can you buy something with a Visa Gift Card and return it for cash at Walmart? No, you also cannot use a Visa Gift Card to buy things and then return them for cash at Walmart.
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Debit Cards Offer More Protection Than Prepaid Cards
Visa debit cards offer a zero liability policy and more security when your card is lost, stolen, or in cases of unauthorized use. With the zero liability policy, you wont be held liable for unauthorized transactions made with your card. However, youll have to prove that you didnt authorize such transactions.
First Check Your Balance
Before you throw any of your single-use gift cards away, make sure to check the remaining balance.
With almost every card, there will be multiple ways to do this:
- Online on the vendors website
- In store at one of the vendors outlets
Any remaining balance is good news. If it is a considerable sum, you can decide whether you want to use it to spoil yourself with something from the vendor.
If its a smaller amount, $5 or less, you may want to convert it to cash.
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On The Turkish And Argentinean Store
On these two stores there are 2 security features:
Indeed, if this is the first time you buy on one of these two stores, it is very likely that when you validate the purchase you have an error.
Dont panic, just wait 4 to 14 days , trying once a day. After a while, itll come to pass! Good luck!
Once the first purchase is made, you will no longer have this problem
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.
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