Free online credit card -
The simplicity of Apple.
In a credit card.
With Apple Card, we completely reinvented the credit card. Your information lives on your iPhone, beautifully laid out and easy to understand. We eliminated fees and built tools to help you pay less interest, and you can apply in minutes to see if you are approved with no impact to your credit score. Advanced technologies like Face ID, Touch ID, and Apple Pay give you a new level of privacy and security.
And with every purchase you get Daily Cash back. Apple Card. It’s everything a credit card should be.
Created by Apple.
Powered by iPhone.
Built for iPhone
Apple Card lives on your iPhone, in the Wallet app. You can sign up in as little as a minute and start using it right away with Apple Pay. Your transactions, payments, and account details are all in one place, where only you can see them. You even make your payments right in the Wallet app — just select your amount, tap, and it’s done.
We want to make it easier to pay down your balance, not harder. So Apple Card doesn’t have any fees. No annual, over-the-limit, foreign-transaction, or late fees. No fees. Really. And our goal is to provide interest rates that are among the lowest in the industry. Because your credit card should work for you, not against you.
The first credit card that actually encourages you to pay less interest.
Pay Less Interest
Most credit cards emphasize your minimum amount due. But when you pay only your minimum each month, it costs you a lot in interest over time. Apple Card is different. When you’re ready to make a payment, Apple Card estimates the interest you’ll wind up paying, based on any payment amount you choose. And it does that in real time, so you can make an informed decision about how much of your balance to pay down.
Daily Cash back.
Real cash you can use right away.
Unlimited Daily Cash
When you buy something using Apple Card, you get a percentage of your purchase back in Daily Cash. It’s real cash, so unlike rewards, it never expires or loses its value. Your cash is deposited right onto your Apple Cash card in the Wallet app — not a month from now, but every day. And there’s no limit to how much you can get. Use it to buy things in stores, on websites, and in apps. Make a payment on your Apple Card. Pay back a friend in Messages. Or send it straight to your bank account and watch it add up.
Get 3% Daily Cash back when you shop at Apple.
3% Daily Cash at Apple
Apple Card gives you unlimited 3% Daily Cash back on everything you buy at Apple — whether it’s a new Mac, an iPhone case, games from the App Store, or even a service like Apple Music or Apple TV+.
when you use your iPhone
or Apple Watch to pay
with Apple Card.
2% Daily Cash
The best way to use Apple Card is with Apple Pay — the secure payment technology built into iPhone, Apple Watch, iPad, and Mac and accepted at 85 percent of merchants in the United States. Apple Pay is a safer way to pay that helps you avoid touching buttons or exchanging cash. And with every purchase you make using your Apple Card with Apple Pay, you get 2% Daily Cash back. No points to calculate. No limits or deadlines. Just real cash that’s ready to spend whenever, wherever, and however you want.
Shop with select merchants and get even more Daily Cash.
3% Daily Cash
Apple Card gives you unlimited 3% Daily Cash back on purchases you make at select merchants when you use Apple Card with Apple Pay.
- Duane Reade
- Panera Bread
- Uber Eats
Apple Card Family
Apple Card Family
Apple Card Family brings all the great features and benefits of Apple Card to your entire family — whether that’s your immediate family, extended family, or whoever you call family. It allows two partners to merge credit lines to form a single co-owned account, manage that account together, and build credit as equals. Participants 18 and older can choose to start building their own credit history, and teens can learn better spending habits. And, family members receive Daily Cash back on their own purchases.Learn more about Apple Card Family
With laser etching and clean styling, Apple Card is designed with the same craftsmanship we bring to all our products. And it’s the only credit card made of titanium — a sustainable metal known for its beauty and durability. When you use the card, you’ll get 1% Daily Cash back on every purchase. Since Mastercard is our global payment network, you can use it all over the world. For apps and websites that don’t take Apple Pay yet, just enter the virtual card number stored securely in your Wallet app. And when you’re using Safari, it even autofills for you.
Privacy and Security
Privacy and Security
Apple takes your privacy and security seriously. It’s not just a philosophy, it’s built into all our products. And Apple Card is no different. With advanced security technologies like Face ID, Touch ID, and unique transaction codes, Apple Card with Apple Pay is designed to make sure you’re the only one who can use it. The titanium card has no visible numbers. Not on the front. Not on the back. Which gives you a whole new level of security. And while Goldman Sachs uses your data to operate Apple Card, your transaction history and spending habits belong to you and you alone. Your data isn’t shared or sold to third parties for marketing or advertising.
Pay for your
new Apple products
when you choose to
check out with Apple Card Monthly Installments.
Apple Card Monthly Installments
You can buy a new Mac, iPhone, iPad, Apple Watch, and more with interest-free monthly payments on purchases at Apple. Just choose Apple Card Monthly Installments and then check out. Your installment automatically appears on your Apple Card statement alongside your everyday Apple Card purchases in the Wallet app. If you have an eligible device to trade in, you’ll pay even less per month. And you’ll get 3% Daily Cash back on the purchase price of each product, all up front. If you have Apple Card already, there’s no additional application. If you don’t, you can apply in as little as a minute during checkout, from the privacy of your iPhone.Learn more about Apple Card Monthly Installments
Trusted partners for a different kind of credit card.
To create Apple Card, we needed an issuing bank and a global payment network. Apple Card is the first consumer credit card Goldman Sachs has issued, and they were open to doing things in a new way. And the strength of the Mastercard network means Apple Card is accepted all over the world.
with Apple Card.
Apply in minutes to see if you are approved with no impact to your credit score.
All your credit and debit cards,
transit cards, boarding passes,
and more. All in one place.
The safer way to make
in stores and online.
Use it to send and receive
money in Messages and wherever
Apple Pay is accepted.
Credit card theft cases have been on the rise so much that it’s now the number one type of identity theft frauds.
If you’re going to pay for anything online using your credit card, you have to protect your information now more than ever.
Instead of using your real credit cards, Privacy.com allows you to create virtual cards for different online payments. In fact, you can close cards that you create at any time and also create single-use cards that will close automatically.
Nevertheless, not everyone would opt for Privacy.com due to one reason or the other. If you’re in that category, I will show you the 10 best Privacy.com alternatives.
Best Privacy.com Alternatives
Skrill offers payment solutions to individuals and businesses. With a Skrill account, you can create virtual cards for online payments.
Also, you can send and receive money from other Skrill users like I do. To use Skrill, ID verification is required.
As one of the best Privacy.com alternatives, Skrill allows you to create a virtual prepaid MasterCard for making quick online purchases using the funds in your Skrill account. Applying for a card is easy as everything is done online.
Just like Privacy.com, Skrill features mobile apps for Android and iOS devices. However, unlike Privacy that is limited to just US customers, Skrill accepts users from countries that are members of the European Economic Area and more.
Additionally, Privacy natively supports just USD. All transactions made in other currencies will be automatically converted to the US while Skrill supports USD, GBP, EUR, and PLN.
Furthermore, Skrill is a very secure platform to use. Your account is protected with a password and PIN in accordance with the Strong Customer Authentication regulatory requirement.
Apart from issuing virtual prepaid cards, Skrill also issues physical prepaid cards. Like the virtual cards, these cards are linked to your Skrill account and once you apply, it’ll be sent to your registered address.
As a Skrill customer, you can get support from their help page, which contains articles and answers to FAQs.
Skrill is free for individual use. All you have to do is log in and make a transaction at least once a year. Otherwise, you’ll be charged $5 per month if there’s money in your account.
2. Abine Blur
Here is another dependable Privacy.com alternative on our list.
Blur by Abine is an all-round online privacy solution. Abine is also the company behind DeleteMe.
More than 30.5 million users currently use the Abine Blur privacy solution and it is used to protect online payments, passwords, emails, etc. In fact, they protect online payments with their ‘masked cards.’
These masked cards are virtual, just like the ones you get from Privacy. You can create a masked card for different purchases and the advantage here is that you can set specific spend limits for each card.
However, Abine Blur masked cards can only be created and used by residents in the United States; the same goes for Privacy.com. Consequently, as a US-only virtual card service, the platform also supports only the USD.
Also, these masked cards mainly work for purchases from US merchants, payment is blocked for most non-US merchants due to fraud.
Nevertheless, Blur stores and protects your credit card information locally. For more security, you can authorize Backup and Synchronization.
This will secure your information stored on their cloud servers in an encrypted form. 2FA is also supported.
There’s a detailed help FAQ page where you can get support. Also, there’s a specific FAQ section for masked cards and a Blur User Manual. Blur has mobile apps as well.
Abine Blur Pricing
There are both free and paid Blur versions and if you want to create your private credit cards, you must select the premium plan.
Check their pricing plans below:
- Basic Plan – $39 per year
- Monthly Plan – $14.99 per month
- Yearly Plan – $99 per year
The difference between their Basic Plan from the Monthly and Yearly Plans is that you pay a fee for your credit cards ($2 per card).
Braintree is an ideal Privacy alternative for online businesses and merchants. It allows you to receive payment from your customers while protecting their payment information from fraud and breach. It’s a relatively advanced online payment processing solution.
Interestingly, Braintree supports a variety of payment solutions and providers. This includes Apple Pay, Venmo, PayPal, Samsung Pay, etc.
Also, it supports credit cards such as Discover, Maestro, American Express, VISA, MasterCard, etc.
What this implies is that with Braintree, your customers can pay you from any of these channels without worrying about their payment information being stolen. They won’t need to mask their cards as there are varying anti-fraud protection tools in place.
Likewise, Braintree supports more countries than Privacy.com that supports only the US. Supported countries include the United States, Canada, Malaysia, New Zealand, Australia, European countries, Singapore, and China. Also, you can receive payment in almost any world currency.
In total, Braintree supports about 130 currencies and you can set up your account to receive a single currency or multi-currency.
Security isn’t what you should worry about as a Braintree user. Their platform is Level 1 PCI compliant and recognized by Visa as a Global Complaint Provider. Card information like validation codes and PINs are not stored.
Furthermore, Braintree has a more reliable support medium than Privacy.com. You also gain access to their useful resources and FAQ page. The support team can be contacted via phone or by submitting a contact form.
To use Braintree, you must pay a premium. As mentioned earlier, it’s an advanced solution and not like Privacy.com that you can use for free.
Here are its two premium plans:
- Standard Plan – $0.30 + 2.9% per transaction
- Custom Plan – Custom pricing
Bento for Business provides everything you need to do business online as an individual or business. It is a debit card-based business spending management platform and like Privacy.com, it allows users to create virtual cards to protect their real card details.
To get a virtual card from Bento, you have to create an account and link your bank account. Then fund your account and request a virtual card. Bento virtual cards are VISA cards so you can use them online anywhere VISA is accepted.
You can create virtual cards for one-time-only use or multiple uses. Furthermore, you can create cards for specific payments and set spending limits.
Just like Privacy.com, virtual cards created with Bento can be used for US-only transactions. However, you have the flexibility to turn off this restriction and use your card for international payments.
Default restrictions are placed on several businesses to prevent fraud. This includes unlicensed businesses, shell banks, unregistered hedge funds, etc.
To further protect your privacy, Bento encrypts your data using 56-bit Secure Socket Layer (SSL) encryption. In addition, the platform is PCI DSS compliant.
You can get in touch with the Bento Support team for help using LiveChat or by phone call. Also, you can send your inquiries by email or from the on-site contact form. A support center is featured with helpful articles on getting started, using your account, pricing, and more.
As a new Bento user, you get two months of free access. After that, you can choose any of the following pricing plans:
- Starter Plan – $29 per month
- Team Plan – $69 per month
- Professional Plan – $149 per month
- Enterprise Plan – Custom pricing
Neteller is a popular online payment gateway. It enables you to pay for anything online securely. Also, like most of the privacy.com alternatives, it allows you to transfer money to other Neteller users anywhere in the world.
Neteller requires verification before you can request for and use its virtual cards.
The virtual cards issued by Neteller are MasterCards. While creating them, you’ll only be prompted to choose a currency, enter a card name, and set an optional limit.
However, if you’re a resident of France, a default 1000 EUR limit per month is applied.
While Privacy.com is open to only users who reside in the United States, Neteller is open to users who reside in European Economic Area countries.
Furthermore, the platform supports three currencies: GBP, EUR, and USD as against Privacy.com that supports only the USD.
Neteller is a secure Privacy.com alternative that features anti-fraud tools for 24/7 watch. As a PCI DSS compliant platform, all transactions you make using Neteller virtual cards are 100 percent indemnified.
They are also encrypted using 256-bit encryption and multiple firewalls.
Neteller offers support via different channels. First of all, there’s a support center with help articles on 4 major categories which include Account, Payments, Security, and Prepaid Cards.
Then, there’s an FAQ page and you can contact the sales team by sending a contact form.
Like Privacy.com, Neteller features Android and iOS mobile apps, so you conveniently manage your virtual cards from your mobile phone.
Your first Neteller virtual card is issued for free. Subsequent virtual cards that you create will attract a fee of $3.
When setting up your card, you’re asked to select a default currency. If you use the card for transactions involving a different currency than the default currency, you get charged a 3.99% currency exchange fee.
Payoneer is a platform that lets you pay and get paid by anyone from different parts of the world. It is a platform trusted by some top renowned eCommerce, freelancing, and digital marketing platforms.
Like Privacy.com, Payoneer lets you make smarter payments using an e-wallet and card.
You can request a physical or virtual card for your Payoneer account. Payments made using this card are deducted from your Payoneer balance.
To be eligible to request a virtual card, your account must have received a minimum payment of $100 in the last 6 months.
Payoneer doesn’t support only US residents and the USD currency like Privacy.com. The platform supports USD, GBP, and EUR for virtual cards but you can transact in different currencies. Furthermore, as a global payment solution, Payoneer is available in over 150 countries.
What’s more? It is regulated by multiple government bodies which implies that your funds are safe. Transactions you make are guarded with firewalls and monitored to prevent fraud, phishing, etc.
As a Payoneer user, you are provided with all the support you’ll need. From the resource center and support center, you can find help articles and there’s a community of over 2 million Payoneer users where you can get answers.
You can also watch the Payoneer tutorial videos.
You can download and use the Payoneer mobile application for easy management on Android and iOS devices.
There are no subscription or start-up fees charged with using Payoneer. Also, no fee is charged when you use the virtual card to pay for things online.
However, there are several fees applicable to currency conversions. This applies when you pay for a different currency apart from your card currency and the charge is up to 3.5 percent.
7. US Unlocked
Like its name implies, this is a solution for US-only merchants which makes it more like Privacy.com.
Nevertheless, while you can only pay US merchants, you can make the payment from anywhere and you’ll be given a US billing address. Over 100,000 users make use of US Unlocked.
With US Unlocked, you can create exclusive virtual cards for different US merchants such as Amazon, Netflix, Hulu, Walmart, Spotify, etc. In total, US Unlocked features more than 500 US-based merchants. Also, each card can hold a maximum balance of $3,500.
All you need to do to create one is to apply and pay the membership fee and you’re good to go. In addition to creating exclusive virtual cards, you can also create one-time use cards.
Since only US merchants are supported, all payments you make using US Unlocked virtual cards are processed in USD just like Privacy.com.
Nevertheless, US Unlocked is not available to US users only; hence, you can pay from any country.
US Unlocked features personalized LiveChat support called Ruby. Likewise, you can submit a contact form to reach their support team. Other support channels include the resource center, FAQ page, and blog.
US Unlocked Pricing
This platform has a flexible pricing plan. The amount you pay for your card depends on your country, loading method (deposit method), and amount.
Aside from that, a $3.50 maintenance fee is charged per month and you’ll pay $11.50 for unloading.
You are also required to pay a life membership fee of $15. All of this makes Privacy.com more affordable than US Unlocked.
Netspend issues prepaid Visa and MasterCard cards. It is a popular payment solution used by more than 10 million customers.
Just like most Privacy.com alternatives mentioned, Netspend requires ID verification before you can apply for and create virtual cards.
From your Netspend account center, you can generate virtual card numbers for temporary or recurring purchases.
You can create and manage up to 6 virtual cards at a time and you have the flexibility of customizing the card using your picture.
With Netspend, you can make purchases to merchants in multiple countries, unlike Privacy.com that is limited to the USA.
Due to their partnership with PayPal and Western Union, you can make purchases in over 200 countries with your Netspend card.
Netspend protects its users in two ways; online security and privacy policies. Your card details, ID, and other personal details are encrypted.
If you suspect any fraudulent activity with your account or card, you can report it and immediate action will be carried out.
For support, you can make use of the FAQ page or reach the team via email or phone. It’ll be easier to manage your Netspend account and virtual cards from the mobile app.
You can use Netspend to create virtual cards free of charge; no activation fee is required. However, you’ll be charged usage fees depending on your plan. Here are their two pricing plans:
- Monthly Plan – $5 per month
- Pay as you go Plan – Custom cost depending on usage
With their monthly plan, you pay per month and are not charged for any transaction fees. Conversely, with the Pay as you go plan, you are billed for each transaction.
Another best Privacy.com alternative on our list is Brex.
Brex is tagged “the financial OS for the next generation of business”.
It’s an all in one platform where you can manage all your online payment activities including credit cards, bank accounts, expenses, etc. Brex is relatively more advanced than Privacy.com and although it is not a bank, it works like one.
When you create a Brex account, you are issued an account number, routing number, and virtual card details.
The cards are issued as soon as you are approved. You can generate many virtual cards that you need, set different spend limits for each one, and close them at any time.
Brex virtual cards can be used online anywhere the MasterCard is accepted. It is not restricted to a specific country like Privacy.com. This also implies that you can use its virtual cards to make payments in different currencies.
While 1Password is the only major integration featured by Privacy.com, Brex integrates with Xero, Oracle, QuickBooks, Xoom, Slack, intercom, DropBox, Carta, etc.
Brex secures your payment information through their PCI DSS-certified partners. With data modeling, you alone have access to your account, even the Brex team cannot.
Furthermore, the platform is HTTPS encrypted and Idle Lockouts is implemented such that your account is automatically logged out after inactivity.
If you want help, reach their support team using the contact form or access their help center and FAQ Page. Finally, Brex features iOS and Android apps for on-the-go usage.
If you are looking for a Privacy.com alternative to save money on pricing, you should consider Brex. Brex attracts zero fees, whether you are making local or foreign transactions with your card, and their cards are interest-free.
iCard is all about payment cards including virtual cards, physical cards, metal cards, etc. The platform also facilitates payment using digital wallets such as Apple Pay. iCard lets you manage both VISA and MasterCard virtual cards.
Immediately you create your iCard account, you can create these cards, load them, and begin making online purchases. You can freeze and unfreeze the cards at any time, set spending limits, and custom design them.
Furthermore, you can limit the cards to specific merchants like Amazon, AliExpress, eBay, Netflix, PayPal, etc.
iCard virtual cards are available to residents in Europe only, unlike Privacy.com that is available to residents in the US only.
However, with iCard, you can make payments in different currencies including the Romanian Lei, Euro, Polish Zloty, British Pounds, Czech Krona, US Dollars, Bulgarian Lev, Croatian Kuna, and Swiss Francs.
Apart from being a PCI DSS approved platform and regulated by the EU, you can count on iCard’s security measures. Besides, they encrypt your data using military-grade encryption protocols.
iCard features an FAQ page with tutorial videos if you need support. Also, you can get direct support using the LiveChat, contact form, or by sending an email or calling the helpline.
Whether you use iCard for personal or business purposes, the platform is free. As a new user, you are issued two virtual cards for free, a VISA and a MasterCard.
New virtual cards will cost just 1 EUR and you can manage up to 20 at a time. Likewise, no transaction or monthly management fee is charged.
Rounding Up – What Is The Best Privacy.com Alternative?
In this post, I have listed out the 10 best Privacy.com alternatives that also facilitate secure payments – not just for individuals but also merchants and businesses.
However, the best Privacy.com alternative is Skrill that has over 35 million users. Besides, Skrill can generate both physical and virtual credit cards.
Also, you can send or receive funds from other Skrill users. While Privacy.com supports only the USD, Skrill supports currencies like PLN, EUR, USD, and GBP.
Free Virtual Credit Cards
Most services make it so easy to Subscribe but a nightmare to Cancel. Some even renew your subscription after you cancel!
The most popular complaint by Justuseapp users are that they are unaware of these charges until they check their bank account or credit card transactions records, usually months after the charges started. Lots of users have lost lots of money before they realized what was happening. This is why we created the Free Trial Debit Card.
Track your free trial and paid subscriptions
$40 off for new RedCard holders
$40 off for new RedCard holders. RedCard $40 offer: Get a coupon for $40 off a qualifying purchase over $40 when you are approved for a debit or credit RedCard in-stores and at Target.com between 10/31/21 - 12/11/21. The coupon will be mailed to approved cardholders with their RedCard and will be valid through 1/9/22. Excludes items sold & shipped by Target PlusTM Partners. Excludes alcohol, Apple products, Baby Alive Lulu Achoo, Barbie (Camper, Dreamhouse, Dreamplane, Malibu House and Townhouse), Beats Powerbeats Pro, Beats Studio Buds, Bose, Cards Against Humanity, Casper, CVS clinic & pharmacy, Cricut, dairy milk, DockATot, Dockers, Disney Ultimate Princess Castle, Do-a-Dot, DSLR cameras & lenses, Dyson, Elf on the Shelf, Elvie, Facebook, Oculus and Portal, face masks (Dolan, Sanctuary & Sugar Fix brands), Fisher Price Laugh n Learn, Fisher Price Little People Frozen Elsa's Enchanted Lights Palace, Fitbit, Galactic Snackin’ Grogu, gift cards, Google, Goumikids, HALO Baby, Hasbro Games (Classic Monopoly, Connect Four, Jenga, Rubik’s Cube, Sorry, Trouble), Hatch Maternity, Hot Wheels (Ultimate Garage, Action Massive Loop Mayhem, Mario Kart Rainbow Road Trackset, Volcano Arena Playset), Honest Baby, HP Inc., Hudson Baby, Imaginext Transforming Bat-Tech Batbot, Infant Optics, Instant Pot, JBL, Lamaze, LEGO, Levi’s Red Label, LG OLED TV, limited-time designer partnerships, Luvable Friends, Masters of the Universe Masterverse Ultimate Battle Cat, Mega Bloks, mobile contracts, Monica and Andy, Nerf Ultra and Hyper, Ninja, Nintendo hardware and Switch games, Polder, Peg Perego, Philips Avent, Plan B, power shave, power dental, prepaid cards, PlayStation consoles and accessories, Quincy Mae, Revival, Samsung TVs, Shark, simplehuman, Sonos, Sony Electronics, Take Action, Target Optical, Tempur-Sealy, Thomas Trains & Cranes Super Tower, Touched by Nature, Trading Cards, Traeger, Tylenol PM pain relief, Ulta Beauty at Target Brands, Unlocked phones, Vera Bradley handbags, Weber, What Do You Meme?, Xbox consoles and accessories, Zoe Doll.
Free online credit card -
How To 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.
Use a Debit Card for Online Shopping
To shop online using your debit card, you'll need to input the 16-digit card number along with the expiration date, security code, and billing address.
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.
One downside of making purchases with a debit card is the lack of security. When it comes to fraudulent activity, debit card users may be liable for those purchases.
Shop With Prepaid Cards
Prepaid cards are similar to debit cards, except funds are loaded into an account associated with the card rather than 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.
Pay With Gift Cards or Store Credit
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 on 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.
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, gift cards don’t offer the same protections.
Store credit usually works similarly to gift cards. If you returned something to that retailer, they may have offered you store credit rather than a refund. Store credit may be given in the form of a physical or digital "card," or it may be pre-loaded into the customer's account.
Redeem Amazon Cash
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.
Check Out With PayPal or Other Merchant Accounts
You can link a PayPal account to your checking account, and any purchases you make through PayPal will be deducted from that checking account.
If you have a PayPal balance, 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.
Other companies that are similar to PayPal, such as Venmo, also offer options to make online purchases. Paying through Venmo provides buyers with some protection through their Venmo Purchase Program.
Some online retailers now partner with third-party lenders so customers can "buy now, pay later." In these situations, customers can make purchases with a point-of-sale installment loan when completing online checkout.
Carry a Digital Wallet
A digital wallet is just what it sounds like: a way to virtually store your payment information. While PayPal and Venmo are two types of digital wallets, there are many others, including Apple Pay and Google Pay.
When using a digital wallet for online purchases, you'll have to use a device (such as a smartphone, tablet, or computer) that is equipped with your digital wallet. At checkout, participating retailers will give you the option to pay with your wallet.
Digital wallets use a technology called "tokenization," which creates a unique code each time you make a purchase. The retailer never sees your card number—and even if the code were stolen, a thief wouldn't be able to make purchases with it.
Buy With Cryptocurrencies
Some retailers—such as Microsoft and AT&T—are now accepting payment in cryptocurrencies. Cryptocurrencies such as Bitcoin and Ethereum are digital currencies that can be exchanged online for goods or services. In order to use cryptocurrencies for online purchases, you'll first have to set up a special digital wallet. Then, you'll be able to make cryptocurrency exchanges.
Not only can users make purchases without having a traditional bank account, but no personal information is required, which can be a security benefit. Many cryptocurrency users appreciate the feeling of having more autonomy over their purchases.
On the other hand, cryptocurrencies are still relatively new. That means they face high levels of volatility—and the lack of regulation may be concerning for some people.
Use Your Checking Account
Though it may be less common, some online retailers let you use your checking account and routing information to make purchases. Check the payment options for the retailer to confirm that you can use your checking information.
Checking account purchases are often made through EFT, or electronic funds transfer. EFTs digitally move money from one account to another. They are regulated by the Electronic Fund Transfer Act (EFTA), which is designed to protect consumers.
Always verify that you’re on a legitimate website. If hackers get access to your checking account, they can steal your money.
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 pay them back. When you use this option, be sure to enter the correct billing address so the payment will process correctly.
Frequently Asked Questions (FAQs)
How much shopping is done online?
According to the Census Bureau, e-commerce sales account for a little more than 13% of all sales.
What does "USD" mean when shopping online?
If you're shopping on an international site, you might see "USD" next to some prices to clarify that the prices are in U.S. dollars. If you're an American and you see USD, then the purchase will be just like any other you're used to making. If you see another symbol or abbreviation next to the price, then you may have to do a quick conversion to learn the price in USD.