ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

How to Make Online Purchases Without a Credit Card

Updated on November 28, 2012
How can you make purchases online without a credit card?
How can you make purchases online without a credit card? | Source

There are some instances when you want to purchase something online, but you either don't have a credit card or you prefer to not use your credit card online. Fortunately, online sellers want your business, so they have provided a number of ways for you to be able to make purchases online without having to use a credit card.

PayPal is a secure way to make purchases online and sellers never get your financial information.
PayPal is a secure way to make purchases online and sellers never get your financial information. | Source

How to Use PayPal for Online Purchases

PayPal allows you to link your credit cards, debit cards and bank accounts to your PayPal account and then make purchases by simply using your e-mail and password. When you make purchases with PayPal, the seller does not collect your financial information.

Once your sign up for a PayPal account, it can be a simple way to make purchases online. Many sellers and retailers accept PayPal as a form of payment. When you go to checkout, you click on the checkout with PayPal option and you'll be sent to PayPal's secure server to complete the checkout process. Some sellers even provide discounts if you pay through PayPal.


Source

What Is Bill Me Later?

Many online sellers provide a Bill Me Later option. If this option is available, you will usually see it after you enter in your shipping info but before you have to enter in any credit card information.

If you select the Bill Me Later option, you complete the purchase using your address, birth date and sometimes the last four digits of your Social Security Number. After you complete the purchase, you are sent a bill, usually within 30 days. Some sellers offer 6+ months of interest free financing through Bill Me Later. These offers may be subject to credit approval. Be sure to read the terms and conditions before completing your purchase, if this is the option you choose.

The Bill Me Later Option when checking out with Ebay.
The Bill Me Later Option when checking out with Ebay. | Source
Source

Using Gift Cards to Make Purchases Online

Gift cards are probably the closest option to cash when it comes to making purchases online. Many retail, grocery and drug stores now have Gift Card Shops, usually located at an end-cap near the front of the store, oftentimes by the card section. These gift card shops have tons of gift cards to choose from, frequently including retailers like Target, Amazon, and Home Depot. Usually, there are no fees associated with using gift cards.

To use your gift card online, continue to checkout like normal with your purchase. When you get to the payment section, you will see an option where you can enter in a gift card or promotional code.

Coinstar allows you to purchase gift cards from the deposited change if you wish. So, if you have some saved up extra change laying around, this might be a good option for you.

You can also purchase Visa/Amex gift cards and use them like you would a credit card.

Most websites accept gift cards and/or promo codes as a form of payment.
Most websites accept gift cards and/or promo codes as a form of payment. | Source

Using Prepaid Cards Instead of Credit Cards for Making Purchases Online

Prepaid cards are cards that you can use as a debit or credit card. With prepaid cards, you load and reload money on your card as you go. Visa, Mastercard, American Express and many banks offer prepaid cards. Prepaid cards are a great alternative to debit or credit cards. The downside to prepaid cards is that many of them charge fees. Compare your options of prepaid cards before you choose one. You might be able to find a prepaid card that doesn't charge monthly or annual fees and doesn't require a credit check, like the ServeĀ® card by American Express.

Bluebird is another convenient prepaid card that has just recently been released by American Express and Walmart. With Bluebird, you can deposit checks, pay bills, make purchases online, use ATMs and there are no monthly, annual, overdraft or minimum balance fees. Bluebird is an excellent alternative to a checking account or debit card.

Bluebird is a new checking and debit alternative by American Express and Walmart.
Bluebird is a new checking and debit alternative by American Express and Walmart. | Source

Shop Online with Your Bank Account

Instead of using your debit or credit card, some sellers are able to deduct the purchase amount directly from your checking or saving account by using your bank's routing number and you account number.

If the seller you would like to purchase from has this option available, you will see it in the payment section during the checkout process. If you choose this option, you will be asked to enter a routing and account number. In the photo below you can see an example of how to find your routing and account numbers on a check.

How to find your routing and checking account number.
How to find your routing and checking account number. | Source

Credit Card Alternatives with Amazon

Amazon has a number of alternatives to paying with a credit card. These alternatives include: gift cards, bank accounts, shop with points, Amazon Payments and Visa/American gift cards.

With Amazon Payments, you add money to your account with bank accounts associated to your Amazon Payments account. There are hundreds of merchants on the web that accept Amazon Payments beyond Amazon.com.

Fortunately, more and more online sellers are adding more options to help you make purchases online, even if you don't have or don't want to use a credit card.

Comments

    0 of 8192 characters used
    Post Comment

    • KawikaChann profile image

      Kawika Chann 

      5 years ago from Northwest, Hawaii, Anykine place

      Great info during the seasons. Nice job. Peace. Kawi.

    • Jenna Estefan profile imageAUTHOR

      Jenna Estefan 

      5 years ago from Seattle, WA

      That's a good tip that I should have mentioned, Alison! ALWAYS make sure the website where you are shopping is secure. Thanks for commenting!

    • Alison Graham profile image

      Alison Graham 

      5 years ago from UK

      Useful tips here. As a rule of thumb, I NEVER shop online with any web site that does not have https secure designation and almost always use Paypal if this service is offered - because of the reasons Jenna stated above.

    • Jenna Estefan profile imageAUTHOR

      Jenna Estefan 

      5 years ago from Seattle, WA

      Thanks! I know, sometimes I'm unsure about the credibility of some websites, so I'm glad to be able to use PayPal so I don't have to give them my financial information, plus they have their purchase protection, which makes me feel much better.

    • Dreamhowl profile image

      Jessica Marello 

      5 years ago from United States

      Thanks for this! I love Paypal, but didn't know much about Bill Me Later (which Paypal frequently sends me emails about). I feel so much more comfortable paying online through Paypal than I ever do using my debit card. Voted up.

    working

    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, hubpages.com uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at: https://hubpages.com/privacy-policy#gdpr

    Show Details
    Necessary
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the googleapis.com or gstatic.com domains, for performance and efficiency reasons. (Privacy Policy)
    Features
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Marketing
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Statistics
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)