Know how to shop online Without a Credit Card

You need a payment system that can be used online in order to make purchases. While a credit card is normally required, there are alternatives for internet shopping. They consist of checking accounts, PayPal, Amazon Cash, debit cards, pre-paid cards, gift cards, and other POS financing or BNPL alternatives.

There are many alternatives to credit cards that you can use, some of which offer better benefits than credit cards, such as consumer financing. Let’s talk about the best alternatives to credit cards for shopping.

Debit Cards

You must provide your debit card’s 16-digit number, along with the card’s expiry date, CVV, and billing address, in order to make purchases online.

The debit card’s connected checking account will be used to withdraw the necessary amounts for the transaction. If you don’t already have one, speak with your bank about getting one added to your current checking account. Alternatively, go to a nearby bank to open a new account and ask for a debit card.

Prepaid Cards

Prepaid cards are comparable to debit cards, with the exception that money is placed into the card’s connected account rather than a bank account. A major credit card system logo, such as Mastercard, Visa, or American Express, should be present on the prepaid card.

For people who are unable to obtain a bank account or credit card—or who choose not to—prepaid cards are a fantastic alternative. Prepaid cards can be obtained online or in-person at stores.

Gift Cards and Credit Scores

Any online retailer that accepts payment through a credit card system, such Visa or MasterCard, will take gift cards from that network. A retail gift card can be used online as well, but often just on the website of that retailer. A Macy’s gift card, for instance, can only be used there.

The same businesses where prepaid cards are sold also sell gift cards. Merchant-specific gift cards are also available at many of these places, but of course you can also buy these from the retailer.

Gift cards and store credit typically function similarly. They might have given you store credit in lieu of a refund if you had returned something about that retailer. Store credit may be given to customers as a pre-loaded balance in their accounts or as a real or virtual card.

Digital Wallet

Simply said, a digital wallet is a way to keep your transaction information online. There are other digital services, such as Apple Pay and Google Pay, that can be helpful for making payments online and providing a wonderful shopping experience.

You must utilize a device (such a phone, tablet, or laptop) that is integrated with a digital wallet while making purchases online using a digital wallet. Participating merchants will allow you use your wallet to pay at the register.

Every time you make a purchase, your digital wallet generates a special code. Your card number is never disclosed to the merchant, and even if the passcode were stolen, a criminal couldn’t use it to make purchases.

Checking Account

Some internet businesses allow you to make purchases using your bank account and routing information, albeit it might be less popular. Verify the retailer’s payment options to make sure you may utilize your checking account details.

Electronic money transfers, or EFTs, are frequently used to make purchases from checking accounts. EFTs are electronic fund transfers through one account to the other. The Electronic Fund Transfer Act (EFTA), which aims to safeguard customers, governs them.


Currently, certain merchants will accept cryptocurrency payments. Digital currencies that may be traded online for goods and services include cryptocurrencies like Bitcoin and Ethereum. You must first create a unique digital wallet before you may utilize bitcoins for online shopping. After that, you’ll be able to swap cryptocurrencies.

Users are not only able to make purchases without a conventional bank account, but no private details is necessary, which may increase security. Many cryptocurrency users value the sense of increased control they get over their transactions.

Cryptocurrencies, on the other hand, are still very young. This implies that businesses deal with significant levels of volatility, and the absence of regulation may worry some people.

Use ChargeAfter as your Consumer Financing Platform

Utilizing contemporary consumer finance solutions is one of the quickest and most convenient ways to make a purchase without using a credit card. Consumers are increasingly using buy-now, pay-later (BNPL) services and POS finance. Since its use is expected to surpass that of credit cards, its popularity is skyrocketing.

Because ChargeAfter offers split payments with no interest charges, its customer financing choices are more alluring. Therefore, you may easily apply for it and obtain financing with the pre-established payment schedule. If you don’t forget to pay, you pay the full amount, not a penny more. This is now a clear indication of why users like BNPL choices.

It is not particularly alluring to consumers alone. Retail finance has undoubtedly advanced, and businesses are constantly working to incorporate the best platforms into their online presences. ChargeAfter provides a platform that connects lenders and customers via BNPL lending. The platform’s clever alternatives help the businesses by giving their customers a higher chance of having their financing applications approved.

White Label BNPL

Additionally, ChargeAfter offers white label BNPL services, enabling retailers to offer financing through their own branded platforms. As ChargeAfter is handling software, you can just use one of the top platforms in the world without worrying about how it will function.

Watterfall Financing

ChargeAfter additionally provides a multi-lender BNPL platform for waterfall financing. It is a tool that helps both borrowers and lenders. Customers’ applications are assured to be approved. Due to the large number of lenders on the platform, buyers can be confident that their application will be matched with the most appropriate lender.

Sum Up

Simply put, there are a ton of payment alternatives available online. The general public is well aware that credit cards are not the sole option. As a result, financing options are opening up to all customers. They frequently employ it more.

Some believe that using BNPL and consumer financing can put purchasers at risk. However, you may ensure that your financing procedure is secure by using the right services and selecting reputable financing platforms.