10 Ways You Can Buy Online Without a Credit Card


Many view the credit card as the key to the gate that will lead them down the path to riches. With a credit card they can buy whatever their hearts desire. They can earn money if they have a credit card, seeing as you can link a credit card with PayPal or another merchant account and receive donations and payments from other people. Without a credit card, it would seem, you are excluded from the internet elite. You’re nothing but a pariah; an outsider who can only look on helplessly as others reap the benefits of possessing this golden ticket.

But owning a credit card isn’t all it’s cracked up to be, and using one online, it would seem, carries tremendous risk. Somebody’s credit card details can be sniffed quite easily through using a free VPN service, or if a website insists on not using encryption (HTTPS) to ensure a secure connection for whatever balmy reason.

I’ve explored a few other ways of buying things online, and I’ve discovered that not owning a credit card or a cheque card doesn’t necessarily mean that you’ll be forever banished from the wondrous online shopping experience.


Debit card

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

That’s where Capitec and it’s Global One card comes in. It’s a debit card that behaves like a credit card and can be used for online shopping, and you can link it with 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 possessing a CVV number, you should be good to go. But check with the bank first, definitely. Preferably before opening and account and getting a 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 certain partners like Google, Amazon, and many others, and there are several ways you can top up a Payoneer account. The debit card they give you can be used to shop online with.

EFT/Instant EFT

Some stores online offer you the option of EFT or electronic funds transfer for paying.

This usually involves adding your desired items to a cart as usual, and then logging into your online banking account, where you can then make a once off payment to the stores, filling in the details that they (hopefully) have provided you with.

Regular EFT payments might need up to a few business days to process, and usually after this period you will receive your item or it will be shipped.

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

EFT isn't universally liked because you have no guarantee when purchasing this way (like you can with a credit card by disputing a charge and reversing a transaction, which is called a chargeback), and if you EFT funds to the wrong account, there are no refunds! So make sure if you do use EFT, that you triple check the merchant or payment gate's details.

Virtual Credit Card

This is a highly recommended way of getting around having a credit card.

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

Some virtual credit card services even allow you top up with cash at a till point in a store, so you wouldn'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 AVS (Address Verification System). Virtual credit cards do sometimes employ the use of mobile devices, but you can get around this by using emulation software so you can even run it on your PC, like Bluestacks.

Prepaid card

You can buy prepaid credit cards from several places nowadays.

Locally in SA, you can buy them at your nearest Dis-Chem pharmacy. You have to take along your ID, and that is scanned, and then once you’ve paid for the card you can pay to have a certain amount of money put on the card, which you can then use online to buy from places. In SA it's restricted to local merchants only though.

One of the better known examples would be Paysafe, but this isn't available in all countries.

You can even try or a similar service, and fund the card using bitcoin.

This 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.

Prepaid voucher

You can buy Ukash vouchers in store and use them online to pay for things. They’re valid for 2 years from the date of purchase, but buying them may prove costly since they wholly depend on the exchange rate, so you will have to pay whatever they’re worth in your local currency ($25 may be more expensive or less expensive the next month, etc.). In SA they can not be used internationally though. It seems to restricted to the country you're in.

You can also buy Amazon vouchers and iTunes vouchers which you can use at those companies’ online stores. Steam wallet vouchers can be used for buying games or software from Steam. You can usually buy these items not just in store but also online from vendors who offer payment methods such as EFT if you don’t possess a credit card or don’t wish to use it online.


Merchant accounts

The most famous example of this is PayPal. But there are plenty of others too, including Skrill. PayPal just happens to be the most widely used by merchants.

In some countries you don’t need to link a bank account (which requires a credit card or at least a cheque card in some places) with PayPal, and you can spend money right out of your PayPal account, and even earn money and have it sent to you PayPal account – or people can donate or send you money.

Store credit

Store credit can be given to a customer as part of a rewards program for purchasing items, or completing other tasks like writing product reviews for items sold in their online catalogue. I have been able to survive on at least one or two stores by just earning store credit and buying products, rarely ever spending my own money!

The most notable example is Green Man Gaming, which gives you money for reviews, referrals, and you can also earn store credit from their Playfire Rewards program too!



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

Obviously there are other wallets, and there are ways to buy bitcoins outside the USA, with websites such as


Some online stores even still accept cheques or money orders, hard as it may be to believe. Although the number of places is slowing dwindling.

Get a friend or family member to buy it for you

You can get a friend who has a credit card or some other method of buying items online to buy the product for you, and then you can pay them back in whichever fashion you both agree on, like cash, or a bank deposit.

Which method do you like best for paying online?

  • Debit card (including Payoneer)
  • EFT/Instant EFT
  • Virtual credit card
  • Prepaid card
  • Prepaid voucher
  • Merchant account
  • Bitcoin
  • Cheque
  • Store credit
  • Getting a friend to buy it
  • Other (please tell us more in the comments)
  • None of these. I just use a credit card or cheque card
See results without voting

© 2014 Anti-Valentine

More by this Author


Anti-Valentine profile image

Anti-Valentine 11 months ago from My lair Author

Thanks to all for your lovely comments, guys.

Oztinato 11 months ago

Due to serious flaws in net security and identity theft scares I scrapped all cards and went back to direct bank transactions. This retro method offers peace of mind, unbreachable security and it also stops impulse buying.

Internet ssecurity is an illusion costing honest consumers millions every month.

Murtaza Abbasi profile image

Murtaza Abbasi 11 months ago from Pakistan

I am fan of Paypal though I can't use it in my country so the only best choice for me Payoneer Prepaid Debit Card. BTW usefull information.

Also I have information that might be usefull for people here who are willing to purchase from E-Commerce Stores. Their are some cheaters.

DzyMsLizzy profile image

DzyMsLizzy 11 months ago from Oakley, CA

Congrats on HOTD! Well done, and most informative.

The methods you describe are interesting, but I only use PayPal, as that is my only "extra" money. We barely make our bills from our regular bank account, and PayPal is where my HP $$ goes, and I don't have their debit card, as it required a credit check, which I would fail, for various complicated reasons involving our personal situation.

So, I am effectively blocked from using merchants who don't accept PayPal, such as Amazon. My work-around, if it is something I really want, is to have my daughter get it for me...

Kristen Howe profile image

Kristen Howe 11 months ago from Northeast Ohio

I have a Paypal account and had it for a few years. This is an interesting hub on how other ways to buy stuff online like EFT and virtual credit cards. I never heard about it. Congrats on HOTD! Thanks for sharing!

RTalloni profile image

RTalloni 11 months ago from the short journey

Congrats on the Hub of the Day award for this post highlighting options for online purchase payments. Didn't realize there were so many!

ChitrangadaSharan profile image

ChitrangadaSharan 11 months ago from New Delhi, India

Congratulations for the HOTD, well deserved!

I usually pay by net banking or debit card. You have provided some very useful information with regard to online payments.

Thank you for sharing!

MsDora profile image

MsDora 11 months ago from The Caribbean

Congratulations on your HOTD award. Very useful information. Thank you for sharing.

    Sign in or sign up and post using a HubPages Network account.

    0 of 8192 characters used
    Post Comment

    No HTML is allowed in comments, but URLs will be hyperlinked. Comments are not for promoting your articles or other sites.

    Click to Rate This Article