5 Ways You Can Buy Online Without a Credit Card

5 Ways You Can Buy Online Without a Credit Card

Online shopping is one of the most convenient ways to shop. It’s convenient and hassle-free – unless of course you don’t have a credit card or don’t want to give out your details because of security issues. While most online stores only accept payment via credit card, there are a ton of other ways you can pay for goods online. Here are some of the ways you can buy online without credit card.

  1. Debit Card

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This is the most obvious alternative. Most online stores that accept payment via credit card will also accept debit cards. It’s easy to access debit cards since they come with any account. Credit cards can lead to debt. If this is a worry for you, then a debit card is a great option. This is because it takes money directly from your account. This means that you will only be able to shop with the money in your account. To make a purchase, you will be required to enter your debit card number in the payment page as you would a credit card.

  1. Online Payment Company

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Online payment companies such as PayPal, Google Wallet, and Amazon Payments can come in handy when you don’t have a credit card. You can add a debit card or connect your checking account directly. One of the advantages of using such services is that you are not required to give your personal details to a random online shop when you want to buy something. They’re a great way to avoid fraud online. One thing you need to note is that not all sites accept payments from these providers.

  1. Check

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Websites such as Etsy and eBay accept payment by check. However, you will have to deal with the delay since you have to wait for the check to clear with the bank. Your items will only be shipped after they have received the payment.

  1. Checking Account

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You can perform an electronic funds transfer to online retailers such as Amazon. You will be required to provide your personal checking account details including the account number, bank routing number, name, and address. You may also be required to provide your driver’s license number and the state where it’s issued. Use this payment method on reputable sites only as there is a risk of fraud. Giving out your bank account details to a third party is very risky.

  1. Cash on Delivery

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This is very rare. However, some small online retailers have a cash on delivery payment option. This allows you to pay after you have received the goods. The benefit of this method is that you get to inspect the items bought before making any payment. If the items do not match your expectations, you can refuse to pay for them. If you do accept the items, then you are required to pay with a business check, personal check, money order or cashier’s check. This is a very handy payment method for high-ticket items that exceed your credit card limits.

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