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HomeFactsHow To Use A Visa Debit Gift Card Online

How To Use A Visa Debit Gift Card Online

Can I Pay With More Than One Visa Gift Card

How Vanilla Visa Debit Gift Cards Work

YES with this Gift Card Hack:Many people think that you cannot use a Visa gift card online if the transaction exceeds the dollar value on the Visa gift card. While that is true, the problem is more of a technical issue than a limitation of the gift card.

When you look at an online shopping cart, you will generally see a field to enter a gift card number and a field to enter a debit or credit card. The split tender or partial gift card payment transaction is possible when paying with a store gift card because you enter the store gift card into the gift card field and you enter your debit or credit card into the other field. But since a Visa gift card is entered into the debit or credit card field, theres no other place to enter your debit or credit card to complete the transaction.

Without a little creativity, there is generally no way to use more than one Visa card to complete an online purchase. I have never seen an online shopping cart that allowed more than one bank card, of any type, to be applied to a purchase.

How To Use A Visa Gift Card Online In 4 Easy Steps

  • Add the items you want to your cart.
  • When you are ready to check out, you’ll be taken to the payment methods screen. Typical options include credit or debit card, gift card, or PayPal.
  • Enter in your Visa gift card information under ‘Credit or Debit card’. This is because your Visa gift card is a pre-paid card that can be used anywhere Visa is accepted, not a gift card specific to that retailer.
  • Check out!
  • While you can shop online with a Visa gift card, you should be aware of common problems that may occur. Heres what you should do before attempting to make an online purchase with a Visa gift card.

    Activate Your Card

    Your Visa gift card must be activated in order to be used for purchases either online or in-store. Depending on where the gift card was purchased, you will have to activate your card on the issuing bank or provider’s website or call the toll free number listed on the back of your card.

    Register Your Card

    Card recipients should go online to register the card. Why? This ensures a name and address is linked to the card. When an order is placed, stores often use an Address Verification System to verify the card matches the billing address. This process helps restrict fraudulent activity associated with a lost or stolen card.

    Not Enough Funds On The Gift Card
    Store Restrictions

    Sometimes there are stores that restrict the use of pre-paid gift cards. This can often be found with any sort of monthly subscription charge.

    Waiting Period On The Card

    Gift cards ordered from are usable as soon as the card is registered. But some drug stores and gas stations sell gift cards that are not usable for a specified waiting period .

    Because thieves sometimes use stolen credit cards to buy gift cards, the waiting period gives banks, stores and victims a moment to detect and report compromised cards. If the theft is reported before the gift cards are used, the gift cards can be cancelled before the funds are depleted.

    If you purchased a gift card at a store and try to use it immediately, but find that the card doesnt work, check the receipt or gift card packaging to see if a waiting period is specified.

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    Use The Prepaid Card At Amazon

    This tip was given to me by a Visa card customer service agent who listened sympathetically when I called them nearly in tears after a string of vendors refused to accept their prepaid debit gift card. Amazon will accept your prepaid card, although youll still need to keep track of your balance because it wont let you split the purchase among two or more payment methods.

    How do you get the most out of a prepaid debit gift card?

    Kimberly Lew spent her gift cards almost exclusively on food.

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    Use A Debit Card At An Atm

    Need Help Using Visa Gift Cards Online?

    You can use debit cards to withdraw cash from your checking account at an automated teller machine . To do so, insert your card into the ATM’s card reader. If you’re not sure how the card goes in, look for a diagram that appears similar to your card. It should indicate which side goes up and which side should face left or right .

    After the ATM reads your card, it will ask you to enter your personal identification number . Type in your PIN while blocking your hand from view . Then, follow the instructions on the screen to make withdrawals, view your balance, or transfer money. If you had to insert your card into the machine and the machine keeps the card, contact the bank that owns the ATM as soon as you’re able to.

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    Can I Use My Visa Debit Enabled Atb Debit Card At Non

    Yes, you can use your ATB debit card at non-ATB ABMs, but first, check to make sure the ABM will accept your debit card.

    • In Canada, your card can be used at any ABM that accepts Interac. At non-ATB ABMs, you are limited to cash withdrawals only.There is a standard $1.50 fee for using a non-ATB ABM. Youll also be charged a fee by the ABMs owner, which youll be prompted to approve before proceeding with the transaction. Depending on your account type, you may receive a credit of up to $4.50 back into your account to cover these fees.
    • Outside of Canada, your card can only be used to withdraw cash at ABMs that display the Visa logo.There is a standard $5 fee that applies per withdrawal at an international ABM. Youll also be charged a fee by the ABMs owner, which youll be prompted to approve before proceeding with the transaction. A foreign exchange fee may also apply. Depending on your account type, you may receive a credit of up to $8 back into your account to cover these fees.

    Register Your Card To Make Online And Phone Purchases

    To register, either call the issuer, or visit their website. Your issuer should supply this information to you when you receive the card or it may be available on the card itself.

    When you make an online or phone purchase, the name, address, and phone number you use will need to be exactly the same as the information you provided when registering your card in order to avoid declines.

    Also Check: How To Make Gift Cards Into Cash

    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.

    Department Store Gift Card

    How To Use Vanilla Visa Gift Card Online

    This article does not apply to a Nordstrom, Target, Kohls or any other such retailer. They issue their branded department store gift cards which represent store credit, not money in the form of a prepaid debit card.

    For anyone worried that Im about to suggest you do something so sneaky you could be arrested, relax. This is very ethical and completely legalopenly allowed, and actually quite clever.

    Everyday Cheapskate participates in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for us to earn fees by linking to Amazon affiliated sites.

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    What Is The Difference Between A Pending Transaction And A Posted Transaction

    Pending transactions are authorized transactions with a hold for the purchase amount until the transaction clears. Posted transactions are purchases that have cleared on your card. There are some pending transactions that are more or less than the amount you actually spent. Some retailers place a pre-authorization amount to ensure the account is active and that you have enough money to cover the purchase. Once the transaction posts to your account, the pending transaction will be removed within a few business days, and you can use the funds again.

    Use A Debit Card Online

    If you’re paying for something online, you can typically use your debit card just like a credit card. You don’t need to specify that you want to use a debit card . Start by indicating the type of card you haveVisa or MasterCard, for example. Then, type in the 16-digit number on the front of your debit card. You usually also have to enter the expiration date, which you can find after the words “good through” or “valid through.”

    You may also need to provide a CCD, CVV, or similar security code. Those three- or four-digit codes help to prove that you are authorized to use the card. Those codes can be found on the back of most cards toward the far right . On American Express cards, the code is on the front of the card .

    To use a debit card online, you often need to know the billing address linked to that card. With most debit cards, this is your home address. However, you may have difficulty using prepaid debit cards if you do not know which address to use.

    If you plan to make payments online, be sure that your computer will keep thieves from stealing your card information. Keep your security software up to date, and only use your card on sites that you trust. Verify that your card information goes through a secure connection when shopping online .

    Read Also: How To Withdraw Cash From A Visa Gift Card

    Paying Bills With Prepaid Cards

      There are two types of prepaid payment cards that can potentially be used to pay bills: prepaid debit cards and network-branded gift cards . Prepaid debit cards come in a few different forms and offer the opportunity for a convenient money storage account that can take the place of complex checking. Gift cards that carry the Visa or Mastercard logo are typically sold in different denominations and can be used for online shopping or bill payment if sufficient balances are available.

      Before diving into bill payments, it can be good to understand the two types of prepaid payment card options a little better. Prepaid debit cards can work like network-branded gift cards and any electronic payment card that is loaded with funds considered deposit assets rather than credit liabilities. As the market for prepaid debit expands, more and more, consumers are gaining access to a simplified electronic money storage solutions that can take the place of traditional bank checking.

      Benefits Of Using A Debit Card

      Visa prepaid gift card

      Debit cards are good tools for keeping your costs low and managing your money. They dont come with the annual fee found on some credit cards, and they dont allow you to rack up debt because you aren’t offered a credit limit that may be a good deal higher than the amount of money in your checking account. However, there are more benefits to using credit cards.

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      Benefits Of Using A Credit Card

      Shopping online exposes you to certain risks, especially the risk that your information will be stolen. The biggest problem with using your debit card for purchases is, if your info is stolen, the thief now has access to the funds in your checking account.

      Your debit card pulls funds directly from your checking account. If somebody uses your card number to make fraudulent purchases, your account may get drained. That means it will be difficult or impossible to pay for your necessary expenses, like your rent or mortgage, utilities, and food. You may also incur overdraft fees.

      In contrast, a credit card creates a debt that you have to repay, but it doesnt pull money out of your checking account without your knowledge.

      If your card information is used fraudulently, you might be protected under federal law, but getting that money back into your bank account is a painful and slow process.

      Can The Bank Find Out Who Used My Debit Card

      If your card was fraudulently used, the bank may be able to find out who used it. It all depends on how the card was used and if any identifiers were left behind. For example, an ATM or retail store may have a security camera to capture the person’s image. Or, if the card was used online, an IP or shipping address may help to find out who used it.

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      Want To Get A Visa Gift Card

      A smart gift anyone can appreciate.

      The Visa Gift card is an ideal choice for birthdays, holidays, weddings, and suits all your gift-giving needs. It’s also perfect for people of all ages. You decide how much money to give they decide where to spend it.

      You will receive important information regarding the Visa Gift card such as how to activate and use the card. This information should be given to the recipient of the card.

      Always Know Your Balance

      How To Activate And Register Target Visa Debit Gift Card

      One of the biggest bummers of using prepaid debit gift cards as payment is keeping track of the cards declining balance. Not all registers allow for more than one form of payment per transaction, so its usually safest to make purchases that are smaller than the balance on the card. This means that you should always be aware of what the balance is, especially because cashiers wont be able to easily access that information for you .

      If you are able to use the card at a place that can handle multiple forms of payment for a transaction, thats a great way to clear out the balance on the card and ensure that youve spent every penny but you still need to know your gift card balance so you can tell the cashier how much money to put on the gift card. Once thats taken care of, you can cover part of your purchase with the gift card and the rest with another form of payment.

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      Make A Partial Payment

      Cardholders should always check their Visa gift card balance before making an online purchase. This can be done using the 800 number on the back of the card and following the prompts.

      If the total amount on the card is less than the total purchase price, it may be possible for you to use the remainder of your card to buy a store e-gift card. In most cases, this is a code sent to your email inbox. You can then use that egift card code toward your total balance.

      Buying Products To Resell

      I know youve probably heard about this method, but if you havent, here is how it goes.

      The technique not only offers you a chance to get cash out of your Visa gift card, but you can also make some extra money. In essence, its about taking advantage of great deals.

      Platforms like PayPal allow you to pay for products through prepaid gift cards, and various retailers accept online payments.

      Therefore, you can make an online or in-store purchase using Visa gift cards through PayPal.

      If you spot a deal that is ideal for a product you can buy, you can do so and then resell the product at a profit or at a breakeven price to get your cash.

      This can be a great option if you are able to get cheap deals for useful products that you can later resell.

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      Visa* Debit Gives You More Ways To Pay

      Youll continue to enjoy the same great convenience of your ScotiaCard, plus you can use Visa* Debit in the following ways :

      • Pay and subscribe for streaming services
      • Stay entertained by downloading apps, games, and music
      • Order your favourite meals for take-out or delivery
      • Pay your phone bills online by registering your card with your phone service provider
      • Pay your taxes online on the Canada Revenue Agency website

      Paying With Cash Online Is Simple

      Prepaid Cards

      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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      More About Using Prepaid Gift Cards Through Paypal

      Can I use prepaid gift cards to make a purchase using PayPal?

      Yes. Anywhere in the U.S. where PayPal is accepted you can use prepaid gift cards that have a Visa®, MasterCard®, American Express®, or Discover® logo on it. Please note that this doesnt apply to merchant-specific gift cards, which do not have a Visa®, MasterCard®, American Express®, or Discover® logo on them.

      How do I use prepaid gift cards using PayPal?

      Just like any other credit or debit cards. No difference at all!

      For PayPal members, you can simply add prepaid gift cards to your wallet then start using them during checkout – just like any other credit or debit cards.

      For users without PayPal account, you can just enter the card information during checkout in the same way you would do with credit or debit cards.

      Can prepaid gift cards used for all services and products through PayPal?

      Prepaid gift cards can be used to make payments for any product or service except for recurring payments or reference transactions.

      This is because due to the nature of prepaid gift cards, they can become low in balance over time to cover the recurring amount. In order to protect our members from unintended service interruption, prepaid gift cards cannot be used for payments automatically pulled from PayPal accounts.

      Im using a prepaid gift card, and Im getting a declined message.

      You may also get an error message if your prepaid card was not issued in the U.S. or if you are trying to buy from an international merchant.


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