Monday, January 30, 2023

How To Buy Prepaid Visa Online

Don't Miss

Get A Prepaid Virtual Credit Card Faster Through Opas

How do you use a prepaid Visa card online?

There are a number of ways to get prepaid virtual credit cards, but if you already have a package forwarding address from OPAS, you can sign up for a new card directly through your account. Your account information will be automatically transferred to your new prepaid virtual credit card, which makes the registration process much faster.

To get a prepaid virtual credit card through your OPAS account, just log in to your account, go to the Personal Shopper tab, and click the Get a Virtual Visa button.

Combining a US package forwarding address with a prepaid virtual credit card is one of the most powerful ways to get access to US online stores from outside the US. If you dont already have one, you can get a package forwarding address now.

Cibc Smart Prepaid Travel Visa* Card

  • Foreign-currency, reloadable prepaid card
  • Convenient and secure way to shop when youre outside of Canada
  • Available in 4 currencies: U.S. dollars, Euros, Mexican pesos and British pounds
  • Lock in your rate when you load your card and avoid foreign exchange surprises2
  • Note: CIBC prepaid cards cant be used as gift cards
The amount of the customization fee will depend on the currency of your account. $5.95 CAD or $4.50 USD5
Foreign conversionTransactions, such as debits and credits, not in the currency of your card are converted into the currency of your card no later than the transaction posting date at an exchange rate that is 2.5% over the rate CIBC must pay. 2.5%
The first ATM withdrawal in each month is free. $3.50
Lost or stolen card replacement $14.95
Optional card replacement shipment by courier $15.00

Prepaid Debit Cards Vs Regular Debit Cards

You dont need a bank account to get a prepaid debit card, but its a requirement for a regular debit card, which is linked to your checking account. For prepaid debit cards, you load the card with money when you get it, then use it to make purchases. For regular debit cards, the funds for your payments are taken directly from your checking account as you make payments.

» More from NerdWallet:What is a debit card?

Why trust NerdWallet: Our writers and editors follow strict editorial guidelines to make sure our coverage is fair and accurate, so you can choose the financial accounts that work best for you. See our criteria for evaluating banks and credit unions.

Here are our top prepaid debit cards based on fees and features. Scroll down for more detail on each account.

CHEAPEST

Movo Virtual Prepaid Visa Card

  • No monthly fees

Fifth Third Access 360° Reloadable Prepaid Card

  • One of the biggest free ATM networks among prepaid cards

  • $4 monthly fee that’s easy to waive

BEST FOR PARENTS

BEST FOR SHOPPING AT WALMART

Walmart MoneyCard

  • 3% cash back at Walmart.com and in the Walmart app and other cash back rewards

  • Multiple subaccounts for family members

  • 2% APY on up to $1,000 in savings account

BEST ALTERNATIVES TO PREPAID

at Chime, Deposits are FDIC Insured

Chime

But Bluebird does have limits when it comes to merchant acceptance, and it doesnt allow cash back at retailers.

Recommended Reading: Alaska Airlines Foreign Transaction Fee

Problem And Solution One: Cant Shut Down Employee Remotely

One common problem that employers have with credit cards that they give to their employees is an inability to turn off an individual employees card remotely. When you buy a Bento for Business Visa debit card, you will not have this problem.

You can access your employees cards from your online dashboard 24 hours per day. By logging in, you can choose the employee whose card you want to shut down and turn it off remotely by clicking or tapping a button on your mobile device or laptop. If a card is lost or an employee leaves his or her job, you wont have to worry about the card being used.

Why Would I Use A Prepaid Card

Buy prepaid Visa Cards
  • Prepaid cards are a convenient way to pay for things if you are not carrying cash.
  • You do not owe a bill since you are using money you already have.
  • You do not need a bank account to use a prepaid card.
  • You do not need a good credit history to use a prepaid card.

Learn more about your credit history.

Read Also: What Credit Card Company Pulls Transunion

Heres The Trick: Make Partial Payment With A Visa Gift Card

Perhaps in the future, shopping cart developers will create a new field for open-loop gift cards or they will allow shoppers to enter more than one bank card, specifying how much to charge to each one. Until then, we have to work around the problem of how to use a Visa gift card online when the transaction amount exceeds the balance of the card.

Heres how to use a Visa gift card online, no matter what the balance is:

1. If the Visa gift card balance is greater than the transaction total, then simply enter the Visa gift card number into the credit or debit card field on the checkout form and complete the transaction.

2. If the Visa gift card balance is less than the transaction total, then first use the Visa egift card to buy a store egift card for the same amount. When the stores egift card arrives, return to your original transaction and apply the stores egift card to your purchase. Pay any remaining balance due with a debit or credit card.

Although this solution requires an extra step, it is one way Visa gift cards can be used when the balance of the card is less than the total amount due.

Give Someone Complete Convenience With A Visa Gift Card

A virtual Visa Gift Card makes the perfect gift for anyone and is a smart gift for recipients of any age. They can spend the prepaid credit on whatever they want, whenever they want. It is safe to say that just about everyone would appreciate receiving a Visa Gift Card via email delivery. Want more online payment card options? Check out similar alternatives like the Mastercard Gift Card or Neosurf.

Also Check: What Bank Is Ulta Credit Card

Can You Use Prepaid Visa Cards For Internet Purchases

There are many different payment card types available, and they all have different uses and rules. Many people choose to use a prepaid card instead of a bank-issued credit card as a way to protect their identity and make it harder for cybercriminals to access their real bank account. There are some limits, and one of the most common questions people have is whether you can use a prepaid card for online purchases.

Prepaid Debit Card Issuers

How to purchase virtual card online using bitcoin | Crypto Argha

There are many prepaid debit card issuers, and they have different rules, fees and places their card is accepted. Some of them include OmniCard, Netspend and Bluebird by American Express. Some individual companies also offer prepaid cards, such as Walgreens and other brick-and-mortar retail merchants. When you load your card, most prepaid debit card issuers will deduct a fee from the amount. For instance, if you put $200 on the card, you might only have $175 to spend.

Recommended Reading: Cabela’s Club Transition

Best Prepaid Debit Cards

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list ofour partnersandhere’s how we make money.

  • Bluebird by American Express: Cheapest.

  • Movo Virtual Prepaid Visa: Cheapest.

  • Fifth Third Access 360° Reloadable Prepaid Card: Best for ATM withdrawals.

  • FamZoo Prepaid Card: Best for parents.

  • Greenlight Prepaid Mastercard: Best for parents.

  • Walmart MoneyCard: Best for shopping at Walmart.

  • Chime: Best cheap prepaid alternative.

How Do Prepaid Cards Work

Prepaid cards work like debit cards. But you do not need a bank account to get a prepaid card. Here is how a prepaid card works:

  • You get a card from a store or company.
  • Sometimes, you buy a card in a certain amount. You might pay $50.00 for a card. That means you can use that card to spend $50.00.
  • Sometimes, you buy a card and then add money to it.
  • You can use the card to buy things in stores. You also can get cash from an ATM.
  • Your card stops working when you spend all the money you added.
  • You can add more money.

Unlike most debit cards, many prepaid cards charge very high fees.

Recommended Reading: How Do I Check My Cabela’s Credit Card Balance

Adding Visa Gift Cards To Apple Pay Or Google Pay

Before you add a Visa Gift Card to your Apple Pay or Google Pay accounts, make sure it’s activated. Please note that Virtual Visa gift cards are able to be added to Apple Pay and Google Pay Wallets, but are not able to be used at a cash register or physical point-of-sale systems. Also please note that at this time, Gift Card Granny Visa and Mastercard gift and reward cards can not be added to Apple Pay or Google Pay.

If you already have Apple Pay set up on your device, open the Wallet app and tap the plus sign icon or Add card. Take a picture of the gift card with your phone or manually enter in the information. Tap next. If need be, verify the card with the issuing bank or gift card provider. After confirming, tap next.

Open the Google Pay app and tap Payment. Then, tap the plus sign icon or Add credit or debit card button. You can take a photo of the Visa Gift Card or enter it in yourself. You may be asked to verify your payment method before proceeding. Enter in the provided verification code.

How Do I Shop For And Buy A Prepaid Card

Prepaid gift card balance visa

When youre shopping for a prepaid card, compare differentcards to see which ones have the features you want and the associated fees. Consider how you will use the card and look atthe fees that you will pay for those uses. When you buy the card, you pay theinitial amount that you want to load onto the card, often termed the initialload, plus the cost of the card.

Shop to find the best card for you

There are many types of prepaid cards.When youre shopping, check to see that the card has the features you need andthe fees associated with various features. Fees and fee structures forprepaid cards can be very different. Asking a few questions can help you choose the right cardfor your situation.

Decide where you will want to use the card, and make surethe card you pick can be used at those locations. Prepaid cards that feature anetwork brand can beused at any location that accepts that network brand. Other types of cards aregood only at a specific store or group of stores, or on your publictransportation system. Remember, prepaid cards may look like debit cards, credit cards, or gift cards, but they areoften quite different.

When you buy

You can buy prepaid cards at retail locations , online, over the phone, or from some banks andcredit unions. If you buy the card online,you may then be issued a virtual card, or you may receive a physical card inthe mail at a later time.

Registering your card

  • Full name
  • Street address
  • Date of birth

Also Check: Synchrony Gas Cards

Maintenance Fee For Dormant Cards

If you do not use your V-Preca for a period exceeding three months, 125 yen will be debited from your V-Preca balance on the 25th day of each month as a dormant card maintenance fee. If you use it at least once by the 24th day, which is the day before the debit day, this dormant card maintenance fee will not be charged. Also, debits exceeding your V-Preca balance will not be made.

â»E.g. If the balance of your dormant card is 100 yen, then the amount debited will be 100 yen.

â»Maintenance fee for dormant cards will not be charged from V-Preca Gift.

How Does A Prepaid Business Visa Card Relate To A Businesss Needs

The Association of Certified Fraud Examiners reports that small businesses lost nearly twice as much as large companies in the fraud cases that the examiners investigated from 2016 to 2017. The median loss that was suffered by small businesses was $200,000.

The ACFE attributes this difference to the fact that many small businesses do not have strong internal accounting controls. When you buy a prepaid Visa online you can restrict your employees ability to make unauthorized purchases while also not giving them access to your money or your accounts.

Recommended Reading: Pay My Best Buy Visa Card Online

Video Transcript: Visa Gift Cards How They Work

Hi, Im Shelley Hunter, Gift Card Girlfriend here at Gift Cards.com, and heres what I love the most about Visa gift cardsthey can be used anywhere in the U.S. Visa debit cards are acceptedwhich to me, means pretty much everywhere. From little mom and pop restaurants to national retailers, if a Visa debit card is accepted, then the gift card will be too.

Heres a tip

  • Taking the time to make a personalized Visa gift card turns an ordinary gift card into a thoughtful gift. For example, if youre buying a gift card for the coach, upload a picture of the entire team or just an action shot of his son swinging the bat. If youre buying a gift card for your mom, choose a picture of the grandkids or get out the old photo albums and scan a photo of mom in her poodle skirt and beehive hairdo from the 50s. If youre ordering a gift card for a couple of newlyweds, select a picture from their wedding or a photo from when they first started dating. You get the picture. Be creative and think outside of the gift card box.
  • Social media is a great place to find unique photos that you can turn into gift cards. People often post their selfies, pictures of recent accomplishments and throwback photos that would all make some pretty terrific gift cards.
  • And 3, If you dont have time to upload a photo, select from hundreds of our predesigned gift cards instead. Simply choose a design you like, add a custom embossed name and message and complete your order.
  • How To Use A Prepaid Credit Card

    How to Activate and Load Your Visa Prepaid Card

    This article was co-authored by Michael R. Lewis. Michael R. Lewis is a retired corporate executive, entrepreneur, and investment advisor in Texas. He has over 40 years of experience in business and finance, including as a Vice President for Blue Cross Blue Shield of Texas. He has a BBA in Industrial Management from the University of Texas at Austin.There are 13 references cited in this article, which can be found at the bottom of the page. This article has been viewed 110,970 times.

    With a prepaid credit card, you deposit money onto the card, and then use it to purchase goods or services at any retailer that accepts credit cards. Prepaid cards work much like debit cards, except that the fees for using them are typically higher and more complex. For those who dont have or cannot acquire bank accounts, they can be a way to manage money and do things like make hotel and rental car reservations, but youll need to use your card wisely to avoid costly fees.

    Don’t Miss: Where Can I Use My Valero Credit Card

    Using Your Card For Goods Services And Cash

  • 1Check your balance before using your card. A prepaid credit card has to be funded with money you load onto it. Before purchasing anything, you should be sure you know your balance because you can get hit with big fees for making a purchase without enough money on your card. This is particularly important if you have not used your card for a long time, as many cards have monthly maintenance fees ranging from $1 to $9.95 that will slowly eat away at your balance.XResearch source
  • Many cards charge a fee for checking your balance at out of network ATMs, so be sure to use the correct ATM.
  • Others charge a fee at all ATMs, so you will want to check your balance by phone , by text, by app, or online.XTrustworthy SourceUS Consumer Financial Protection BureauU.S. government agency for protecting consumers in the financial sectorGo to source
  • 2Buy goods and services as you would with a credit card. When shopping, a prepaid card works just like a credit card. You can buy things at stores, shop online, or pay bills, so long as you dont exceed the amount you have loaded onto your card.XResearch source
  • Prepaid cards have one major advantage in that they are not linked to your private data like your Social Security Number, so unlike with a normal credit card, hackers cannot use them to steal your identity.XResearch source
  • Be aware that many cards will charge a fee of up to $2.50, on top of the one charged by the bank where you withdraw the money. XResearch source
  • Did You Lose Your Visa Gift Card

    If you happen to lose a Visa gift card, you should report it immediately to the card issuer. Youll need to provide the lost or stolen Visa Gift card number for cancellation and replacement.

    So it may be a smart idea to write the number down somewhere in case you do lose it or have it stolen.

    Want to earn free Visa Gift cards? Check out my article on the best 33 gift card apps!

    Recommended Reading: Can I Pay My Bestbuy Credit Card At The Store

    More articles

    Popular Articles