BENGALURU: Online Shopping is one of the easiest ways to purchase a variety of products with or without credit or debit cards. You can compare prices for the best deals, read reviews before making purchases, and never have to make yourself presentable for getting out in public, according to about.com.

Borrow Friend’s Card:

If a friend or a relative is lending his/her card, then be sure to enter the correct billing address so the payment will process correctly. However, note that some retailers may not allow shipping to different billing and shipping addresses because of the increased risk of fraud. Some credit card issuers may flag the transaction as fraud. Indicating the purchase as a gift can dodge this problem.

Personal Checking Account:

Some retailers let you use your checking account and routing information to make purchases. Check the payment options for the retailer to confirm you can use your checking information. Linking your checking account to Paypal or requesting a debit card from your bank will give you more flexibility to make online purchases.

Paypal:

You can link a Paypal account to your checking account using your checking account and routing number and purchases will be deducted from your checking account. If you have a Paypal balance, for example, from gifts, sales, or other money transfers, purchases will typically deduct from the balance first and then from your checking account. Paypal’s website has a list of online retailers that accept Paypal as a payment method.

Prepaid Cards:

Here prepaid cards are similar to debit cards, except funds are loaded onto an account associated with the card, not a checking account. Make sure the prepaid card has a major credit card network logo Visa, MasterCard, Discover, or American Express. Prepaid cards are a great option for those who can’t get a checking account or a credit card. You can apply for a prepaid card online or visit a local retailer like CVS, Walgreen, Chevron, or Walmart.

Debit Cards:

Debit cards are used to make online purchases as long as the card has a Visa or MasterCard logo. You have to input the 16-digit card number along with the expiration date, security code and billing address. The funds for the transaction will be deducted from the checking account linked to the debit card, which is your bank account.

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