▷How to pay on the internet without a bank card 🥇

You don't have a bank card and want to validate a purchase on the internet? There are many solutions either to pay directly for your purchases with another means of payment: gift cards, bitcoins, Visa or prepaid Mastercard ... Read this tutorial to find out how.

You don't have a Visa or Mastercard to pay for your online purchases? Banks sometimes offer more limited cards than international cards, for example Maestro cards. You can also find yourself in a situation where you simply do not have a bank card. Which suddenly seems to cut off all access to the large supermarche-international.com. Whatever your problem, there are solutions to pay anyway on the internet.

Summary

Pay on the internet with PayPal
Use gift cards to pay for your purchases
Pay via the internet or mobile subscription
Revolut allows you to obtain a virtual Mastercard in a few minutes
Bitcoins, Ethereum ...: another way to pay without a bank card
Subscribe to a Visa or Mastercard prepaid card
Transfers and checks
Comments

Pay on the internet with PayPal

The first solution is toopen a PayPal account : registration, open to all, is done in a few minutes. And it is possible, in addition to the credit card (or in this precise case as an alternative), to select your bank account as a source of funding. You can then very quickly pay on a large number of websites that offer Paypal as a means of payment.

Benefits of PayPal

Pay for your purchases for free with an address and a password on many sites
Secure transactions with the possibility of opening a dispute and being reimbursed in the event of a problem
Obtain a payment method compatible with many sites in a few seconds

Drawbacks

In some cases, you will need to verify your bank account to make your first transaction (which may take a few days)

Use gift cards to pay for your purchases

Many brands offer gift cards. To make a purchase, you can get one of these cards loaded with a sufficient balance and spend it on your purchases on the brand's website. In some cases it is even possible to get gift cards online via another payment method - but you can usually still buy them with cash directly from the stores that sell them.

Benefits of gift cards

Controlled expenses that cannot exceed the amount loaded on the card
Possibility to use it immediately as a means of payment

Drawbacks

These cards are generally compatible with one or a handful of signs
They are sometimes restricted to certain categories of items (we cannot necessarily buy everything with)
They are loaded in stages (for example 15 €, 30 €, 50 €, 100 €, 150 € ...)

Examples of stores that use gift cards

Amazon
Fnac / Darty
Google Play Store
App Store
Netflix
And many more functions

Pay via the internet or mobile subscription

If you are at Orange, Bouygues, Free or SFR, on a fixed and / or mobile offer, then you can sometimes make purchases that will end up directly on your bill at the end of the month. A service called Internet +.

Advantages of Internet +

Possibility to pay immediately without a credit card
Billing at the end of the month

Drawbacks

To date we have found few sites really offering this payment method.
Some sites abuse the Internet + to carry out unwanted micro-transactions

Revolut allows you to obtain a virtual Mastercard in a few minutes

Revolut is a UK-based neo-bank. It is the only one to offer free virtual bank card numbers when opening an account that you can use wherever you want, like a normal bank card (except that the code changes with each transaction). Besides Revolut, other neo-banks like N26 or Orange Bank will also allow you to obtain a prepaid Mastercard a few days after opening (usually free) of the account.

Read also: Orange Bank - the big banks are fighting back, here are their alternatives!

Benefits of Revolut

Possibility of immediately obtaining a virtual MasterCard card number
Free account opening and standard account
Real SEPA account with IBAN number
Free money transfers in over 25 currencies
Free bank withdrawals up to € 200 per month
Free card payment up to € 5000 per month
Application to better manage expenses

Drawbacks

It may take more than 24 hours to verify your identity when opening an account

Bitcoins, Ethereum ...: another way to pay without a bank card

Bitcoins, Ethereum, and other cryptocurrencies can be seen as real alternatives to traditional money. However, they first need to understand what it is to create your wallet and obtain Bitcoins, Ethereum or other cryptocurrency. Some sites directly accept these currencies / financial instruments, but they can also be used to purchase gift cards which extends their usefulness a bit.

Also Read: Bitcoin vs Ethereum - What's the Difference?

Advantages of Bitcoin and Ethereum

No bank, fully decentralized system
Strong user base
Possibility to buy gift cards

Drawbacks

Few sites still accept them directly
Some knowledge of these currencies / financial instruments is an essential prerequisite
Possibility of losing your money if the device on which currencies are stored is damaged or destroyed
Volatile and unstable price
Risk of piracy

Examples of sites that accept Bitcoin and other cryptocurrencies

ma-carte-cadeau.com
bitit.gift
depensersesbitcoins.com
microbitcoin.com
bitrefill.com

Subscribe to a Visa or Mastercard prepaid card

If your bank refuses to provide you with a Visa or Mastercard prepaid card, or if for some reason you do not wish to request it from your establishment, it is still possible to obtain a Visa or Prepaid Mastercard that will work exactly as an international card - except that you will have to reload it manually in order to use it. Top up can be done directly from your bank account.

You can get one of these cards in several ways: Travelex exchange agencies can allow you to get one immediately for 10 € but with less attractive conditions than neobanks. We recommend that you approach Revolut, N26, Boon or any neobank offering prepaid cards to quickly get one on the best possible terms.

Benefits of Visa and Mastercard prepaid cards

Work exactly like those issued by your bank
Accepted on the internet and at merchants and distributors
Open to all

Drawbacks

In general, between the request and receipt of the card at your home a minimum of 7 days will elapse
Using it may cost money depending on the conditions of the transmitter
Charging is not immediate at all neo-banks

Transfers and checks

The last option remains the transfer and the check, two methods often accepted by small traders in Your country, and as an alternative to the credit card on sites like eBay.

Benefits

Simple solution, no steps
No additional cost

Drawbacks

The order is generally only validated after receipt of funds: may cause delays
No insurance or additional protection in case of damaged or non-conforming product

Did you find this guide useful? Do you know of other methods to pay without a bank card on the internet? Share your feedback in the comments.