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How To Buy Things Online With A Visa Gift Card

Hack Away Small Balances

How to Buy Visa Gift Cards Online

This gift card workaround is also a great way to get rid of a pesky small balance on a gift card. I recently found that I still had a Visa gift card in my mobile wallet with a balance of $4.09. Knowing it would be a challenge to use this exact amount online and would be more of a nuisance to use it in stores, I used the gift card to buy an for exactly $4.09. After completing the transaction, the arrived in my email within seconds. I then logged back into Amazon and applied the dollar amount to my Amazon account. The next time I make a purchase , Ill be able to apply that $4.09 credit to my bill. I would much rather take the time to do this than leave an unused balance on a gift card indefinitely. Using the money took a little effort. Not using it would have been a waste.

Over time, Im hoping online shopping carts will get more sophisticated and customers will have the option to split transactions into multiple forms of paymentperhaps paying half of the bill with a gift card, a quarter of the amount due with PayPal and the final balance with Bitcoin. But until that happens, a few gift card hacks will have to do.

Got any other gift card problems you cant solve? Let me know in the comments below or leave a message for .

Happy Gift Carding!

Another Hack For Using Visa Gift Cards On Amazon

It’s kind of annoying that you can’t use a gift card along with another mode of payment, right? But you can use your card’s balance to buy an Amazon gift card that you give to yourself, and that can be used for anything on the site and combined freely with another payment method.

  • Read more on Amazon:

Paying With Cash Online Is Simple

There are a lot of reasons why it makes sense to pay with cash rather than with credit, including to avoid incurring credit card debt and interest charges. But most people don’t do so when making online purchases because they don’t know they can use a Visa* debit card to do so. Now that you do, the next time you’re purchasing a book or ordering new shoes, give it a try!

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How You Can Use A Visa Gift Card To Shop On Amazon Despite It Not Being Directly Accepted

  • You can use a prepaid Visa gift card to make purchases on , but you have to work around the system to make it happen.
  • will not allow split payments between gift cards loaded onto an account and other payment methods, so you have to line up the price of your purchases with your gift card balance.
  • Here’s how to load a Visa gift card onto an account so you can use it to shop with the online retailer.

If had its way, everyone would stick with Amazon gift cards. And while an Amazon gift card is a great gift and all, a Visa gift card is even better in fact, a Visa gift card even beats cash. Why? Because you can’t use an Amazon card at the local pizza restaurant, a gas station, or to buy movie tickets, and you can’t use cash to shop on Amazon or other online retailers.

To use a Visa gift card on , you essentially have to trick the site into thinking you’re simply adding another credit or debit card onto your account, and not using as gift card at all. So before you add the card’s balance to your account, you need to make sure the Visa is ready for action.

And note that you can’t split purchases between a gift card loaded onto your account and another payment method, so be sure to shop with care and your balance in mind. Or better yet, see the hack at the end of this article!

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The One Big Catch: Insufficient Funds

How to Use Visa Gift Card Online to Buy Things

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.

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Visa Travel Card Features

  • 24 hour cash access. Use your Travel card to make purchases worldwide at merchants that accept Visa or obtain local currency at any ATM that displays a Visa symbol.
  • Variable purchase amounts. Visa Travel cards can be purchased in any amount .
  • Multiple Cards. You can purchase additional cards that allow you to access the same funds. Each additional card will have its own unique PIN. You can give them to travel companions, or keep them as instant replacement cards in case your card is lost, stolen or damaged.

Is The Online Merchant Treating The Card Like Cash

Most Visa gift cards may not be used to obtain cash. However, some online merchants process bank-issued gift cards as a cash payment. As a result, the gift card issuer, who is prohibited by law from allowing recipients to get cash back from a gift card, must decline the purchase. This happens frequently with incoming transactions from PayPal, occasionally with eBay purchases, and even sometimes at Amazon.com. If your address is correct, the balance is enough to complete the transaction and youre still getting a decline result from an online merchant, call the gift card issuer to find out if the merchant is attempting to run the transactions as a cash purchase.

Read here for more information on Problems using a Visa gift card ONLINE.

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How To Buy Something Online Without A Credit Card

This article was co-authored by Michael R. Lewis. Michael R. Lewis is a retired corporate executive, entrepreneur, and investment advisor in Texas. He has over 40 years of experience in business and finance, including as a Vice President for Blue Cross Blue Shield of Texas. He has a BBA in Industrial Management from the University of Texas at Austin.There are 13 references cited in this article, which can be found at the bottom of the page. This article has been viewed 529,370 times.

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 store that accept different payment options. Here are some of the alternative options to paying with a credit card when you shop online.

Visa Gift Card Payments Faq

How to Buy Visa Gift Cards Online 2021?
What method of payment can I use to purchase Visa gift cards?

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.

Are there any fees associated with Visa eGift cards?

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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Wondering How To Use Your Debit Card Online

Using your debit card online is easy if you have a Visa* debit card you can use it online at any online Canadian, American, or international merchants that accept Visa* Debit. All you have to do is choose Visa* at checkout and input your Visa* Debit card number, security code, and expiry date at the point of sale.

You can also use the Visa* Debit payment option to pay for things like recurring payments for streaming media or to download or pay for songs and apps. You can even use it to pay your taxes or phone bills online.

One thing you’ll need to know before making big online purchases is if your debit card has a daily spending limit. These limits are set to protect you against fraud. However, you could modify these limits by contacting your bank and asking for them to be increased or decreased.

When you make purchases via your Visa debit card online, you won’t get to choose which account the funds come out of like you might when making a purchase at a store or taking money out at an ABM. Instead, the money will automatically come out of the chequing account linked to your Visa debit card.

Link Your Cardcash Account

Card cash is the only site we observed that enables you to purchase gift cards online with your checking account, and it also permits you to buy them at a discount. To make payment with a checking account on CardCash, you will first require creating an account, and you will need to have completed at least three transactions on the site.

You can then send a copy of your driving license, the email linked to your checking account, and a written solicitation for ACH access to . CardCash will examine your application. If you are encouraged, you will be able to purchase gift cards directly from your checking account.

Moreover, CardCash allows you to link your PayPal account to make a business checking account with bad credit and pay for gift cards like the sites listed below.

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Pending Transactions Are Affecting The Balance

Every time you swipe or enter your Visa gift card number into a payment system , the system checks to see if the card has sufficient funds to complete the transaction. During this authorization check, the system will place a hold on the funds needed for the purchase. If the transaction is cancelled or later declined, then the pending amount is released. If the transaction is completed, then the pending amount is finalized and the card balance is reduced by the dollar amount of the final purchase.

Sometimes holds are not released immediatelyit can take several hours or several days to remove a pending charge depending on how each merchant system works. During that time, your gift card may decline if pending charges are tying up a portion of the gift card balance that you know should be available.

If your card is not working and pending charges are still affecting the card balance, wait a few days and try again. If you want to understand the process more, heres an article on why it takes so long for charges to clear.

Getting Started With Visa Reloadable Prepaid Card

3 Ways to Buy Things on Amazon Without a Credit 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.

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Are You Trying To Make An International Purchase

If your Visa gift card is not working, check to see where the website is located. I know that might seem strange, but Visa gift cards issued in the United States must be used in the United States. Visa gift cards may not be used for purchases outside of the U.S. and that includes purchases on non-U.S. websites or by telephone.

Although Visa gift cards may not be used outside of the country, here is a list of gift cards that can be used in Canada and other countries.

More About Anonymous Purchases Online

Anonymous purchases online are completely safe. A lot of people see anonymous purchases as unrealistic, or only for criminal activity, but they can be used for everyday use. Anonymous purchases can save your identity, stop fraud, keep your data private, and prevent unwanted things from happening to you. If everyone would have used a Masked Me credit card at Target, everyone could have stayed safe at the Target breach .

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Heres The Trick: Make Partial Payment With A Visa Gift Card

Perhaps in the future, shopping cart developers will create a new field for open-loop gift cards or they will allow shoppers to enter more than one bank card, specifying how much to charge to each one. Until then, we have to work around the problem of how to use a Visa gift card online when the transaction amount exceeds the balance of the card.

Heres how to use a Visa gift card online, no matter what the balance is:

1. If the Visa gift card balance is greater than the transaction total, then simply enter the Visa gift card number into the credit or debit card field on the checkout form and complete the transaction.

2. If the Visa gift card balance is less than the transaction total, then first use the Visa egift card to buy a store egift card for the same amount. When the stores egift card arrives, return to your original transaction and apply the stores egift card to your purchase. Pay any remaining balance due with a debit or credit card.

Although this solution requires an extra step, it is one way Visa gift cards can be used when the balance of the card is less than the total amount due.

Use Your Visa Gift Card Online

Visa Gift Cards Tutorial: How To Buy Visa Gift Card Online?

You use it in the exact same way you would use a credit card. That means you put in all your personal information. Then, put the Visa gift card number in the credit card number field along with the CVC.

Do not make the mistake of putting the gift card number in the gift card field. Most of the time, that field is reserved for store-specific gift cards. For example, if youre shopping online at BestBuy, the image below shows you where to put the BestBuy gift card number and where the Visa gift card details would go.

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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.

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.

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Things To Try If Your Visa Gift Card Is Not Working

Shop eGift Cards from Visa and Other Top Brands quickly and easily.

Visa® gift card not working? There are a number of reasons why a gift card may be declined. The most common reasons are that the card hasnt been activated, the cashier is running the wrong type of transaction, the dollar amount being charged is greater than the cards balance or the credit card processing machine is bumping up the charge amount to either place a hold on the card or to allow for a gratuity.

Below are the top reasons why your Visa gift card doesnt work and six things you can check before calling customer service:

Can I Pay With More Than One Store Gift Card

3 Ways to Buy Things on Amazon Without a Credit Card

YES:Though there are a few reasons why sometimes Visa gift cards do not work online, the most common reason a Visa gift card gets declined online is that the dollar amount on the gift card is less than the total amount due.

When checking out on a stores website, you typically have the option to apply a store gift card to the purchase and pay any remaining balance with a debit or credit card. In fact, some store websites will let you apply multiple store gift cards to a single transaction. Doing this is called partial payment or split-tender transaction . Most store website shopping carts are equipped to handle split-tender transactions as long as the splits include store gift cards. You can also typically use more than one small balance store gift card with ease.

If you are paying with a Visa gift card, however, there is generally no place to put both a Visa gift card and a bank card.

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