Make Purchases Online Without a Credit Card
To make online purchases, you must have a payment method that’s 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.
Online Shopping Using Debit Cards
Debit cards can be used to shop online as long as the card has a Visa or MasterCard logo. Input the 16-digit card number along with the expiration date, security code, and billing address (the address where you receive your bank statements).
The funds for the transaction will be deducted from the checking account linked to the debit card. If you don’t have a debit card, contact your bank about adding one to your existing checking account. Or, visit a local bank to open a new checking account and request a debit card.
Prepaid cards are similar to debit cards, except funds are loaded onto an account associated with the card, not a checking account. Make sure the prepaid card has a major credit card network logo, such as Visa, MasterCard, Discover, or American Express.
Prepaid cards are a great option for those who can’t (or don’t want to) get a checking account or credit card. You can apply for a prepaid card online or visit a retailer like CVS, Walgreens, or Walmart.
Fraud protections are strongest for credit cards, so be careful shopping online with alternate payment methods. Always verify that you’re on a legitimate website. If hackers get access to your checking account or an account linked to your checking account, they can steal your money. While you may be able to recover most of the funds stolen from a checking account if you report the fraud in a timely manner, prepaid cards and gift cards don’t offer the same protections.
Gift Cards for Online Purchases
Gift cards with a major credit card network, such as Visa or MasterCard, can be used at any online store that accepts payment from that network. You can also use a retail-specific gift card to shop online, but typically only at that retailer’s website. For example, a Macy’s gift card can only be used at Macy’s.
You can purchase gift cards in the same places as prepaid cards. Many of these locations also sell retailer-specific gift cards, but of course, you can also purchase these directly from the retailer.
If you have a Paypal balance from gifts, sales, or other money transfers, purchases will typically deduct from that balance first and then from your checking account. Paypal’s website has a list of online retailers that accept Paypal as a payment method.
PayPal also offers the PayPal Cash Card, which is a debit card that you can use anywhere MasterCard is accepted. The card is linked to your PayPal account.
Amazon Cash allows you to shop on Amazon.com without a credit or debit card. You just add cash to your Amazon Balance at participating locations. You can scan a unique barcode or use your mobile phone number to identify your account and add from $5 to $500 to use for shopping on Amazon.
Your Checking Account
Though it’s not common, a few online retailers let you use your checking account and routing information to make purchases. Check the payment options for the retailer to confirm you can use your checking information. Linking your checking account to Paypal or requesting a debit card from your bank will give you more flexibility to make online purchases.
Borrow Someone Else’s Card
You may have a friend or relative who’s willing to let you use their credit or debit card for your online purchases as long as you give them the cash. When you use this option, be sure to enter the correct billing address so the payment will process correctly.
However, note that some retailers may not allow shipping to different billing and shipping addresses because of the increased risk of fraud. Some credit card issuers may flag the transaction as fraud. Indicating the purchase as a gift can dodge this problem.
Consumer Financial Protection Bureau. "What Is the Difference Between a Prepaid Card, a Credit Card, and a Debit Card?" Accessed April 12, 2020.
Macy's. "Macy's Classic Gift Card." Accessed April 12, 2020.
PayPal. "Get Instant Access to Your Money with the PayPal Cash Card." Accessed April 12, 2020.
Amazon.com. "Amazon Cash." Accessed April 12, 2020.