Don’t have a credit card or a debit card and would like to shop online? Aside from these modes of payment, there are a lot of methods that you can use. There are bank transfers, wire transfers, pay by cash or COD once your purchases have arrived or paid via checking account. You may have never thought of using your checking account to pay for anything other than your rent, utility bills or personal purchases, right? Actually, you can use your checking account number to make payments and these payments are as good as cash.
But the problem is, how do you hand a check to an online store? The answer could be the following: you may pay via PayPal with your checking account tied to your PayPal account, you can pay via eCheck or electronic check or you can mail your check to the company or the business. Of all the three, the most common is payment via PayPal.
PayPal is the most trusted way to pay. There are thousands upon thousands of merchants and stores online that use PayPal because the online payment system does all they can to verify their members. They have state of the art systems that can assist businesses and payments are protected as well.
Easy ways to shop online and pay with checking account
If you are ready to shop online using your checking account but wondering where to start, the following will give you a good idea:
Get the best deals at Amazon.com and pay using your checking account number
Amazon.com has lots to offer when it comes to clothes, shoes, accessories, health and beauty products, books, music, electronic devices, tools, toys, baby products and so much more. The site is known far and wide for quality products and verified merchants as well.
The thing is, Amazon is not tied with PayPal, therefore, it is impossible to use your PayPal account from this shopping site. So if you don’t have a credit card or debit card, you can still shop at Amazon.com by using your ACH-enabled US personal checking account.
But before you can start shopping, you need to make some changes in your payment option from your Amazon.com account. So, from the Shipment & Payment option screen, click Add a checking account.
Enter your bank routing number or your ABA code and enter your Account number. This checking account number should be an ACH-enabled checking account from a bank located in the US. Banks that are found abroad will not be allowed.
Enter the name and address of the account holder and include valid driver’s license number or any state-issued ID number with the issuing state. You are allowed to use only a personal checking account and not a savings, corporate or business bank account.
Afterwards, you will receive a message that the changes you have made have been saved and you may now proceed to shop. For any questions about using your checking account number at Amazon.com, contact Amazon’s customer service from their site.
Great finds at Target.com and pays via PayPal linked to your checking account
Year after year, Target has the best deals when it comes to appliances, footwear, electronic goods, clothing, toys and many more. There are many ways to shop and pay at Target local stores.
When you shop at any Target store, you can use personal checks aside from cash. You may also pay using a Target REDcard, credit cards, gift cards, gift certificates, vouchers and mobile payments that support Target.
Target local stores also accept rebate checks but these will only pay for a part of the cost of an item. However, when shopping at Target.com you need to use different payment options. Target.com does not accept checks or checking account numbers as a mode of payment.
You can use a checking account number via PayPal to shop. If you have a PayPal account then you can enroll your checking account to link with your PayPal account. But if you don’t have a PayPal account, create one and link your checking account with it.
After you have successfully enrolled a new PayPal account with a checking account, it will take five days for you to use your PayPal account. This is so because PayPal takes time to verify your identity and the correctness of all the information you submitted.
After a maximum of five days, you may now add this to your Target account to begin shopping. After successfully linking your PayPal you will receive an email confirmation. Keep all emails from PayPal.
When you are ready to check out your purchases, you will be asked to select a method of payment. Choose PayPal and pop out the window will ask for your login information. Just input your login and password and you will be led to the payment section where you can start paying for your purchases.
When you are done with your purchases, PayPal will send you a confirmation message via email. Target will also send you an email regarding your purchases. The email will contain your order and when you can expect this to arrive.
Find what you need at Bloomingdale’s and pay with PayPal linked to your checking account
Bloomingdale’s has local and online stores to cater to its many customers. If you are not near any local shop, you can otherwise shop online for the latest fashion including the latest styles for men and women, toys, home appliances, accessories and health, and beauty products and so much more.
What makes this store better is that they will allow their online customers to pay using their checking account number but these should be linked to an active PayPal account. If you already have your PayPal set to pay using your checking account then you can link this to your Bloomingdale’s account to shop.
After you are done shopping check these out by selecting the PayPal option. You will be redirected to a page where you can sign in to your PayPal account. You will then be asked to confirm your payment using PayPal and all you need to do is to click “Confirm” and you are done. As confirmation of your purchase, you will be receiving an email from PayPal. Another confirmation and thank you email will be sent to you by Bloomingdale’s. Your orders will be processed immediately and will be shipped according.
Use paper check by mail at QVC
Some stores allow their loyal customers to pay for their purchases by still using a paper check. This is an online store that accepts checks by mail. Once this check has been received by the company and processed, the order may be processed and then shipped to the customer. QVC is one of these stores. It is a very0 popular clothing apparel brand with an online store stocked to the full with the latest trends. Once you are settled, you will then check out your purchases.
Choose the “Check/Money Order” option. You will be provided with an address where you will mail your check to. Your paper check should be received within 10 days of placing your order or this will be canceled so you need a faster way to take your check to QVC business office to ensure delivery.
The best deals at Abercrombie & Fitch and pay with your checking account
Abercrombie & Fitch is where you will find the latest fashion for men, women and also for kids. Their clothing apparel is one of the best and even has the latest trends every season. There are many ways to pay for your purchases from their online store but one of the most convenient is to pay via PayPal which is linked to your checking account.
Just like shopping at Bloomingdale’s with PayPal, you must have a PayPal account that is linked to a checking account. You need to log in to your PayPal account and enter your checking account number and nine-digit bank routing number. The verification process takes one to five days so you need to wait before you can shop at this store.
After your PayPal account is set to shop, visit the Abercrombie & Fitch shopping site so you can start choosing what you want to buy. Once you are done, pay for your purchases by clicking PayPal. You will find a pop-out the window that will ask for your PayPal login information. Simply place your login and you will be redirected to the payment section of PayPal where to start paying for your Abercrombie & Fitch items.
PayPal will send you a confirmation message through your email address and so will Abercrombie & Fitch. The company will confirm your order and inform you when you can expect this to arrive.
Best Buy Deals and pay with e-checks
Best Buy has the best items when you are looking for electronic products and appliances. There is always a good deal in Best Buy’s online store and most of the items sold here are really top quality.
If you are looking for the latest laptops, LCD televisions, home theater systems, mobile phone and gadgets, Best Buy is where you will find the best buy. And if you don’t have a credit card, you can always pay using an eCheck.
An eCheck is an electronic check that you can use to pay for online purchases without resorting to PayPal and without the need to mail in your checks. It is fast and easy but is not for all shopping sites. Simply visit your issuing bank or where you get your checking account from and ask for an eCheck number. This number will be asked for you once you are ready to pay for your purchases.
Usually, it takes a few days to process and eCheck but all these are just a small price to pay to finally receive your order. Usually, your orders will only be processed once your eChecks have been cleared.
Once your eCheck payment has been cleared and your orders ready, Best Buy will send you an email regarding this confirmation.
Vistaprint echeck payments
If you need high quality digital and physical marketing products then you can count on Vistaprint. Many consumers especially website owners and business owners trust Vistaprint for their marketing tools.
This company allows payments like credit cards and bank transfers and it also allows eChecks as well. An eCheck is a more efficient way to pay if you don’t want to use PayPal. It is fast and easy and Vistaprint-friendly.
Simply ask for an eCheck from your issuing bank or where your checking account is linked. Use this number when you pay for your purchases from Vistaprint.
It could take a few days or a day the least, to process an eCheck and soon your materials will be on their way to your delivery address. Usually, your orders will only be processed once your eChecks have been cleared.
Once the eCheck payment has been cleared Vistaprint will send you an email saying you’re your order has been shipped.
Find the best Macy’s deals using your PayPal account linked to your checking account
One of the best stores to shop online and offline is Macy’s. It is a traditional store for most Americans but even if you are not located in the US, you can shop from their online store.
Macy’s has the latest trends when it comes to clothing including shoes and accessories for men and women. It also offers great buys when it comes to homeware items, children’s clothing, toys and so much more.
If you don’t have a credit card or debit card then you can use a PayPal account that is linked to a checking account. After you are done with your shopping click checkout and then choose the option that says PayPal.
A pop out window will appear and will ask for your PayPal login information. Input your login and password and you will be redirected to a page where you will pay via PayPal. Everything will be itemized so you can easily see what you have purchased.
After payment, PayPal will send you a confirmation message. Macy’s will also send you an email confirming your purchase and when it will be delivered. It usually takes only minutes for PayPal payment to be processed and your Macy’s purchases will be delivered ASAP.
Nordstrom echeck payments
Almost everyone loves to shop at Nordstrom’s local stores but lately, many are flocking to their online stores for great deals, seasonal sales, and new items for the whole family.
Nordstrom is one of the shopping sites that accept checking account numbers but this is in the form of an eCheck. If you don’t have an eCheck or you are still using an ordinary checking account.
Simply visit your issuing bank or where you get your checking account from and ask for an eCheck number. This number will be asked for you once you are ready to pay for your purchases. Usually, your orders will only be processed once your eChecks have been cleared.
Once your eCheck payment has been cleared Nordstrom will send you an email regarding this confirmation and when your orders will be shipped.
Overstock.com echeck payments
There are a lot of things to purchase at Overstock.com. If you are looking for dresses, shoes, shirts, toys, children’s clothes or anything you need at home, Overstock.com has the answer.
An eCheck is accepted at this store and so are debit cards, credit cards, and bank transfers. With an eCheck, you don’t have to use your PayPal account and there is no need to mail checks. It is fast and easy but is not accepted in all shopping sites.
Visit your issuing bank or where you get your checking account from to convert your ordinary checking account to an eCheck number. This number will be asked once you are ready to pay for your purchases.
It could take a few days to process an eCheck and usually, your orders will only be processed once your eChecks have been cleared so you need to be very patient.
Once your eCheck payment has been cleared by Overstock.com and your orders ready, they will send you an email regarding this confirmation and tell you when you should expect your order.
About using your checking account number to shop online
If shopping online using a checking account number is something new to you then you must exercise caution. This is not a common payment option and you can get your banking information leaked if you are not careful. As with all methods of payment, you must stay safe when shopping online.
To make sure that you are safe, always ask any question about payment from customer service. Never overlook your safety and if other methods of payment are accepted, use these instead. Look for PayPal, credit card or COD.
Always have a copy of your receipt where it says clearly how you paid your purchases and information about the product you purchased. You will need this in case you have to return a defective product or you want to avail of a warranty or guarantee.