Online Buying, Sans a Credit Card

Nowadays, the only way to not be able to buy stuff online is if you don’t have a computer.

More online retailers are accepting PayPal as a method of payment on goods they sell. PayPal allows users to make payments and money transfers over the Internet in lieu of the old fashioned paper methods, such as checks. The accounts gather money from a users’ debit or credit card, and a predetermined spending limit is put in place. Through this veil, users’ bank accounts and cards are a little more secure, and the users can still make purchases online without having to directly fork over a credit card number.

Prepaid debit cards are also rising in popularity, especially with those who do not have a bank account. These cards can be loaded with cash at a variety of locations; drug stores, convenience stores and outlets like Target. There is no ability to overdraw funds, and the card only pays the amount with which it’s been loaded. The prepaid debit cards function as any other card, and can also be used for online transactions.

Similarly, you can purchase gift certificates for stores that you want to shop at online. Most certificates are in card form nowadays, so when it’s time to check out, simply select the Gift Card option and proceed with your purchase. You can do this for nearly any store, ranging from iTunes to the GAP. Stores like Wal-Mart and CVS actually have displays containing gift cards for different stores and restaurants. This way, even if you live far away from the store you want to buy something from, you can still get the gift certificate and purchase something online.

With any online transaction where you expose your personal information, ensure that you are using a secure connection to make your purchases.

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