How to Buy Online Without Credit Card Best in 2021

Many see credit cards as the key to the door that will lead them to the path of wealth. They can buy whatever they want with a credit card. They can make money if they have a credit card, given that you can link the credit card to PayPal or another merchant account and receive donations and payments from other people. In buy online without credit card. Without a credit card, it seems, you are excluded from the internet elite. You are nothing but a fairy; An outsider who can only watch helplessly as others take advantage of holding this golden stamp.

But owning a credit card is not that easy, and it seems that using one online carries huge risks. One’s credit card details can be easily viewed using a free VPN service, or if a website insists on not using encryption (HTTPS) for any reason to ensure a secure connection.

I’ve explored a few other ways to buy things online, and I’ve found that not owning a credit card or checking card doesn’t mean you’ll be forever turned away from the wondrous online shopping experience.

Use a Debit Card (how to buy online without credit card)

I’ve tried in vain to link a PayPal account with my debit card for some time now, and I’ve had mixed opinions on the subject. My bank told me that I cannot use any debit card with their bank with PayPal.

That’s where Capitec and its Global One card come in. It’s a debit card that behaves like a credit card and can be used for online purchases, and you can link it to PayPal if you want a more secure shopping experience. Generally speaking, if your debit card is approved for online shopping and has the Visa (not Visa Electron) or MasterCard (not Maestro) logo on it, as well as meeting other requirements like having a CVV number, you should be good to go. needed. But check with the bank first, of course. Preferably before opening and opening the account and receiving the card. In how to buy online without credit card.

If you don’t want to open an account with a bank, you can just use Payoneer instead. Payoneer allows you to receive funds from a few partners like Google, Amazon, and many more, and there are several ways in which you can top up a Payoneer account. The debit card they give you can be used for online purchases.

Use Electronic Funds Transfer or Instant EFT

Some stores online offer you the option of EFT or electronic fund transfer to make the payment.

This usually involves adding your desired items to the cart as usual, and then logging into your online banking account, where you can make a one-time payment to the store, with the details they (hopefully) provided you. .

Regular EFT payments may require a few business days to be processed, and usually after this period you will receive your item or have it shipped.

Instant EFT usually passes through a payment gate of sorts and this means that the seller will not be able to see any of your banking details. Beware of only services that require you to enter your online banking login information, including a username and password, on a third party website or application. You should do this anytime on your bank’s website.

EFT is not universally preferred because you have no guarantees when making purchases this way (e.g. you can dispute the charge with a credit card and reverse the transaction, known as a chargeback). , and if you fund EFT in the wrong account, there are no refunds! So make sure that if you use EFT, you thrice check the details of the merchant or payment gate.

Use a Virtual Credit Card

This is a highly recommended way to have a credit card.

Even if you have a credit card but don’t want to use it online, you can use this option. You basically set up this virtual card and EFT funds from your bank account, or you can top it up with your credit or debit card.

Some virtual credit card services also allow you to make cash deposits at a store for a period of time, so you won’t even need a bank account in this case.

From there you can use it online like you would a regular credit card, except it won’t work with stores that require an AVS (Address Verification System). Virtual credit cards sometimes use mobile devices, but you can get around this by using emulation software so you can play it on your PC as well, such as Bluestacks.

Use prepaid card

You can buy prepaid credit cards from many places these days.

Locally in South Africa, you can buy them at your nearest Dis-chem pharmacy. You have to take your ID along, and it’s scanned, and then once you’ve paid for the card you can pay to put a certain amount on the card, which you can use online to buy from locations. can. In SA this is limited to local merchants only.

One of the better known examples would be Paysafe, but it is not available in all countries.

You can also try or another similar service, and fund the card using bitcoin.

This process is safer than using a real credit card – even using a virtual credit card in most cases – because it doesn’t involve your bank account at all.

Use prepaid vouchers

How to buy online without credit card

You can buy Ukash vouchers in stores and use them to pay for things online. They are valid for 2 years from the date of purchase, but buying them can prove costly as they depend entirely on the exchange rate, so you will need to pay whatever they are worth in your local currency ($25 more Could be expensive or less expensive next month, etc.). In SA however they cannot be used internationally. It seems it is limited to the country you are in.

You can also buy Amazon vouchers and iTunes vouchers that you can use at those companies’ online stores. Steam Wallet Vouchers can be used to purchase games or software from Steam. You can usually buy these items not only in stores, but also online from vendors that offer payment methods like EFT if you don’t have a credit card or don’t want to use it online.

Use merchant accounts (such as PayPal)

The most famous example of this is PayPal. But there are many others, too, including Skrill. PayPal is most widely used by merchants.

Some countries don’t require you to link a bank account (which requires a credit card or at least a check card in some places) with PayPal, and you can spend money with your PayPal account, and here You can even earn money and it’s sent to you PayPal account – or people can donate or send you money.

Use store credit

Store credit may be given to a customer as part of a rewards program for purchasing items, or for completing other tasks such as writing product reviews for items sold in their online catalog. I’ve only been able to survive at least one or two stores by earning store credits and buying products, rarely spending my money!

The most notable example is Green Man Gaming, which pays you for reviews, referrals, and you can even earn store credits from their Playfire rewards program!

Use cryptocurrency

How to buy online without credit card

Bitcoin is a cryptocurrency supported by some online stores. Opening an account with the leading bitcoin wallet, Coinbase, is completely free. You can only buy and transfer bitcoin with your bank account if you live in the United States, but you can still access the service from anywhere in the world, and receive payments and spend from Coinbase Wallet. can do. And Coinbase now has a vault that will securely store bitcoins for you.

Obviously there are other wallets, and there are ways to buy bitcoin outside the United States, such as

Pay by Check or Money Order

It can be hard to believe that some online stores still accept checks or money orders. However, the number of places is decreasing.

Get someone to buy it for you

You can get a friend or family member who has a credit card or some other way to buy items online to buy the product for you, and then you can pay them back, in a way that you both agree to. , such as cash, or bank deposits.

Also check Face amount of Life Insurance.

FAQ about how to buy online without credit card.

Can you shop online without a credit card?

This usually means a credit card, but there are ways to shop online without a credit card. These method  include debit cards, prepaid cards, gift cards, PayPal, Amazon Cash, your checking account, or even borrowing someone else’s card.

How to shop online without bank account

Gift Card.

prepaid cards.

money orders.

collect on Delivery.

Use a lump sum use account number.

How can I order something online with cash?

In order to use cash for online purchases, it must be converted into some kind of secure payment method.

Go to a store and buy a credit card gift card with cash. …

Activate the gift card by following the instructions on the back. …

Credit Card Buy goods online using gift cards as if it were a credit card.

How can I buy stuff online with PayPal without a credit card?

Absolutely; You can pay and receive money on PayPal without a credit or debit card. However, For this method you will need to create a PayPal account and link your bank account to it. After that, you can transfer money from your bank account to your PayPal account and use the balance from there.

How can I buy stuff online for free?

How to get free content online without paying a single penny



Freecycle Network.

Free Stuff Finder.


Buy nothing project.

How to get money off a credit card without pin.

The easiest way to withdraw cash from a credit card without a PIN is to go to a bank that does business with your credit card company, ask the teller for a cash advance, and present your card with a government-issued photo ID. Do it. In how to get money off a credit card without pin.

This is all about how to buy online without credit card. Thanks for reading.

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