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30-SECOND SUMMARY: Online shopping is quick, easy and sure beats driving to your local store. If you’ve got your eye on a piece of jewelry, either for yourself or a gift for someone else, some of the world’s biggest online jewelry stores and sellers let you pay without a credit card. Here’s how it works.
Shop jewelry at Amazon >>> Click here to pay with your checking account number
No credit card? No problem
Over the past few decades, online shopping has grown from a novelty into a multi-billion dollar industry. With 2.64 billion people having bought something online (that’s 1 in 3 people on Earth!) chances are you’re keen to get in on the fun too.
But if you don’t have a credit card (or debit card), does that mean you’re left out?
Not quite.
A number of major retailers and jewelry providers let you pay online without a credit card – even if they don’t make it obvious.
Here are a few proven workarounds:
1). Buy jewelry with your checking account number
2). Use a ‘Buy Now. Pay Later’ marketplace like Perpay
3). Pay with a peer-to-peer service like Venmo
Read on for tips to pay without a credit (or debit card) while still keeping your information safe online.
How to buy jewelry online with your checking account number
If you don’t own a credit card, shopping for jewelry with your checking account number offers a simple, easy alternative.
Instead of applying for a credit card (and facing frustrating rejection if your credit score isn’t good enough), and paying high credit card fees, retailers like Amazon allow you to use your checking account number.
Although many eCommerce stores and jewelry sellers accept payment via checking account number, we’ll focus on Amazon as the largest eCommerce retailer in the world.
Here’s how you can use your checking account as a payment option on Amazon:
- Step One: Select Add a checking account at the Shipping and Payment stage of the checkout process.
- Step Two: Enter the bank routing number, also known as the ABA code.
- Step Three: Enter the account number. The account must be an ACH-enabled checking account at a bank branch located in the U.S.
- Step Four: Enter the name and the address of the principal account holder.
- Step Five: Enter the principal account holder’s valid U.S. driver’s license number or state-issued ID number, and the issuing state.
It’s worth pointing out that many online retailers who accept payment via checking account apply tougher fraud protection. You may face delays of several days to ensure your transaction is legitimate.
| 🤓 Overdraft Apps Tip: Using a credit or debit card is typically a better option to pick up the new jewelry you’ve got your eye on. MasterCard, VISA, and other branded cards offer customer service and dispute resolution if something goes wrong. If someone obtains your checking account number while you shop online, your bank may not reimburse you for fraudulent charges or withdrawals. |
What you’ll need before you start buying jewelry with your checking account
Whether there’s an anniversary on the horizon (or one you forget!), you can’t buy jewelry without TWO important things:
- Your Account Number (Up to 17 digits)
- Your Bank’s Routing Number (9 digits)
You can find your account number on any bank statement, inside your online banking portal/app, or at the bottom of your checks. Your bank’s routing number will also be found at the bottom of your checks.
Your bank’s routing number and your checking account number are printed on the bottom of your checks [Source]
Depending on the jewelry retailer you’re shopping with, making payments online can be as simple as entering your routing and account number. Most jewelry sellers will also need the name of the account holder and the address, and you may be asked for a driver’s license too.
Remember, anyone with your bank account and routing numbers could potentially access your bank account, so be sure to keep these numbers safe!
3 more ways to purchase jewelry online without a credit card
#1 – Get a $1,000 spending limit with Perpay
Perpay helps customers with bad credit go shopping for jewelry and other products without stressing over their credit score.
How?
Eligible customers instantly qualify for a $1,000 spending limit – even if your credit score is poor. As a ‘Buy Now. Pay Later’ app, the money comes from the paycheck that goes into your bank account.
Like paying with your checking account (minus the hassle of having to set your checking account as a payment option) you can purchase jewelry upfront and make repayments over time with no interest.
If that sounds too good to be true… there are some potential downsides to be aware of.
The convenience of buying stuff with bad credit means prices are higher than you’ll find at other retailers. On the plus side, your Perpay payments can be similar to what you’d pay through a high-interest credit card. (Perpay also sends out discount offers to registered users fairly regularly, so its worth signing up to receive those, even if you’re not ready to buy today.)
Prepay can also help build your credit.
For eligible users, Prepay reports your spending limit to consumer credit bureaus as a revolving line of credit – with members seeing their credit score increase by an average of 36 points over 6 months!2
Get an instant $1,000 spending limit >>> Start shopping at Perpay 👈
#2 – Use your checking account to buy gift cards
Prefer to keep your bank checking account details offline?
No problem.
You can get creative by buying gift cards to shop for jewelry online, without sharing your personal banking information.
Gift cards are widely accepted by major retailers. So you can pick up a necklace as a gift, or a pair of earrings, even if the seller does not support purchases from online checking accounts.
For example:
- eBay gift cards can be used to purchase almost anything on the site.
- eBay accepts PayPal transactions.
- PayPal can be funded from your checking account.
So you’re still buying jewelry with your checking account – in a roundabout way!
#3 – Use a peer-to-peer checkout (like Venmo or PayPal)
Got a Venmo account?
You can now use that to make purchases on Amazon.
Adding and using your Venmo account as a payment option on Amazon is simple:
- At the checkout, click “Select a payment method”
- Click “Add a Venmo account”
- Follow the prompts to allow Amazon to charge Venmo for future purchases
That’s it.
Venmo can be selected as a one-time purchase or your default payment option. You have the option to pay with either your Venmo balance (which means your friends are pretty much paying for you – thanks guys!), your attached bank account, or a debit card through Venmo.
PayPal is another flexible (and widely accepted) way to buy new necklaces, rings, or earrings.
You can fund PayPal purchases directly from your bank account. To do this, link your checking account number to PayPal as a payment method.
When you find the perfect gemstones or jewelry online, PayPal will initiate an ACH transfer from your account to the merchant – another roundabout way to pay with your checking account.
BEFORE YOU GO… Check out our most popular articles:
- Easy way to build your credit for just $5/month 💎
- How to Shop Online (inc. Amazon) with a Checking Number 💎
- 12 Best Money Borrowing Apps to Download in 2024 💎
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- As of February 13, 2024. Offers may change and may not be available to all users. Eligibity requirements apply. See KashKick's Terms of Service for full details.
- On-time payment history can have a positive impact on your credit score. Improvement in your credit score is dependent on your specific situation and financial behavior. Failure to make on time payments by the payment due date may result in delinquent payment reporting to credit bureaus which may negatively impact your credit score. This product will not remove negative credit history from your credit report. Impact on your credit may vary, as credit scores are independently determined by credit bureaus based on a number of factors. Perpay will report your transactions to Experian®, Equifax®, and TransUnion®. Based on results observed across more than 45,000 Perpay+ members, customers enrolled in credit building observe an average credit score (VantageScore 4.0) increase of 36 points within the first three months reporting. Individual results may vary. Credit score improvement is not guaranteed.
