How to Send a Payment to Someone Online Using a Credit Card

Pennys credit card payment

You can pay friends, family and suppliers online.

Banks are finally starting to warm up to the process of sending money across virtual highways. It’s fairly easy to make a payment from your checking account to the account of the electric company. You can also make a credit card payment to an online shop or even a bill collector. But what can you do if you need to use a credit card to pay an individual supplier for your business? There are a few ways to do this. The methods are always convenient and may not always be free. But as technology evolves and the world grows more dependent on the Internet, cheaper and simpler options should soon emerge.

The easiest way to transfer credit card money from person to person is through PayPal. All you need to know is your recipient’s email address and you can make a payment with a credit card, a debit card or directly from your bank account. The trick is that both the sender and the recipient must have PayPal accounts. Another drawback is that the transfer is not always instantaneous. It can take up to three days for the recipient to actually receive the money, but PayPal is still the best option for credit card payments.

Visa offers a service to Visa card holders to send credit card payments to individuals. The bank that sponsors the Visa card must support the service, and fees may apply. The money you send does not go into the recipient’s bank account. Instead, it applies to another VISA in the recipient’s name. Sending a payment this way requires you to know the recipient’s credit or debit card number.

Bank Transfers and Bill Pay Services

Many banks already offer an online option for making payments. If you don’t have the cash on hand, check if your bank has a credit card payment option or if they can extend a line of credit to your checking account.

Western Union has a convenient service to make credit card payments to a person online. It ranges from depositing the money directly into the recipient’s account to delivering it to his door. There is a price for this convenience, and it can be quite high, depending on how much you are sending and how fast you want it to get there. For example, if you want to send $20 to your niece, whose birthday is today (and you don’t want it to be late), it could cost you around $17 extra. Unless you absolutely must get money to someone in the next few minutes, Western Union should be one of your last options.

Cheryl A. Frost earned a Bachelor of Arts in writing and linguistics from Georgia Southern University with a focus on technical communications. She has served as a technical writer for 10 years, specializing in IT infrastructure, security and networking. Her recreational interests include robotics, computer programming, and general technology.


How to Stop a Credit Card Payment

Stopping a credit card payment may be necessary for several reasons. At times, a pre-arranged payment must be delayed when a paycheck does not arrive on time, or some sudden financial emergency means delaying that payment for a short period of time. Other times, a purchase may have been made for a damaged or defective product, and you may want to withhold or reverse the payment. Fortunately, there are a couple of different ways to go about stopping the credit card payment from being processed, provided that the card provider is notified within a reasonable period of time.

Withholding or Reversing a Payment After It Has Been Made Edit


pennys credit card payment

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Payment without Credit or Debit Card

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Payment without Credit or Debit Card

I made this account because one of my friends would send me a couple of dollars. I was wondering a couple things. If it wouldn't be trouble, could you answer them?

1: Would I be able to recieve money without a credit or debit card?

2: Would I be able to make online payments, like order a [somethiing] online without a credit or debit card?

3: And finally, would I be able to give the money back?

Thanks in advance,

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Re: Payment without Credit or Debit Card

What you need to consider is account verification. If you are not able to "verifiy" your account, you won't get much use out of your PayPal Account. PayPal will allow an unverified account to do a few transactions however, after that, there's a good chance you won't be able to pay or receive funds.

Financial institutions such as banks, credit card issues and 3rd party transaction processors such as PayPal are required by law to verify the identity of the person behind any and all Accounts into which money is collected. This stems from the USA Patriot Act, Title III, Anti-money laundering to prevent terrorism where as institutions put into place reasonable steps to identify beneficial owners of bank accounts and those who are authorized to use or route funds through payable-through accounts.

PayPal takes advantage of the fact that you had to prove to the bank you are who you say you are. Therefore, by linking and confirming your bank account, the background work has already been done and PayPal has now met the legal requirements to protect themselves.

PayPal's FAQs state: To Verify your PayPal account, just link your bank account to your PayPal account or be approved for PayPal Smart Connect or the PayPal Plus MasterCard®. (Note, the PayPal Plus MasterCard was introduced in 2001. In 2011 the name was changed to the PayPal Extras MasterCard.)

Having a credit card linked and confirmed provides additional proof of ID and serves as a backup funding source however, doing so is optional.