Order confirmation in eCommerce requires two address confirmations, both the shipping and billing address. They can be the same address, but they can also be different.

In this brief guide, we discuss the differences between billing and shipping addresses and why modern eCommerce sites must be aware of those differences to conduct successful business in online retail. A billing address relates to the payment used in the transaction.

Businesses that use a billing address do so to verify the use of the card as well as route their bank statements and receipts to a specific location. When the party that pays for an item is not the same as the one that receives it, billing addresses become important.

This address is certainly significant for businesses that ship products to paying customers as this is the information they provide to the mail carrier. Customers can update their shipping address whenever they need to and will provide the current address at checkout.

The majority of orders will simply use the same address twice, but businesses with certain billing procedures and customers buying merchandise for someone else may need to differentiate the two. Customers who want to buy your products for someone else will use their payment information as the billing address but their intended recipient as the shipping address.

Common businesses that frequently use separate billing and shipping addresses include sites that sell flowers, candy, candles, gift cards, toys, baby and wedding supplies, and more. Sometimes, the address that the credit card company has on file is slightly different than the one used to ship orders.

Businesses that use a credit card or business account to buy supplies or products may be shipping their supplies to different locations than their billing address. In this case, the billing address may refer to the company headquarters or the card owner while the shipping address refers to whoever is receiving the supplies.

In the case of an incorrect billing address, payment software declines the transaction. The addresses have to match with the address that is on file to authorize the payment method before the money can go through.

Shipping address errors are often subtler and more costly. No matter who is at fault for the error, your fulfillment process bears the brunt of the cost.

It can happen when they enter something incorrectly, spell an address wrong, or even enter information on the incorrect line of a form. Examples include writing the apartment number in the address line or the city and state in the first line of the shipping address.

They can also happen when personnel at your fulfillment center type the shipping label incorrectly or otherwise list the wrong address. This could be an address that actually exists, which means the carrier may deliver the package to the wrong person.

This means that shipping address mistakes can directly cause your fulfillment process to break down. Items could be lost, misdelivered, or at the very least, delayed until the problem is sorted out.

Sending a replacement item to the person who paid for the merchandise but never received it or reshipping the same item to the correct address will completely negate your profit margins on that transaction. Verification is different for shipping and billing addresses.

However, the shipping address is not usually verified online. Getting the billing and shipping addresses right has many benefits for your eCommerce business.

Optimizing Billing – To keep your cash flowing and your merchandise leaving the shelves, you have to maintain proper billing procedures. Using the right addresses prevents service interruptions and delivery exceptions.

Your fulfillment process dictates your brand’s reputation. Cutting Costs – Undelivered and misdelivered items represent a costly and unnecessary expense for your eCommerce business.

Enhancing Marketing – Paper mail marketing is still a valuable practice, even for eCommerce businesses. Many studies compare the effectiveness of paper marketing favorably to email marketing.

Keeping your customers informed of offers and personalized marketing opportunities through the mail can be profitable. But it’s only possible with correct shipping addresses.

These programs verify correct addresses and also fix incorrect ones before they wreak havoc on your fulfillment process. Ecommerce businesses would be wise to verify these addresses at least twice before shipping, at which point mistakes are still relatively cheap.

Many even offer to pay for reshipping or order delays due to incorrect addresses. Billing and shipping addresses are important enough to consider these services when budgeting for your business’s fulfillment process.

You may search for hours online, rate shop on multiple sites, and select the perfect things to buy. But all that effort could go to waste if you don’t have a credit card ZIP Code.

Below, we look at what it is, why it is needed, and how to use credit card without ZIP code. A credit card’s ZIP Code is a geographical identifier that helps to locate your billing address.

It is generally required during online purchases due to security reasons.

Since the code is not written on the card, someone who has hacked your details might find it hard to guess. Hence, this detail helps reduce the risk of fraudulent purchases.

As explained above, every website, app, or shopping portal will need you to enter this detail to confirm the transaction. Here are a few things to do if you don’t have the right information.

For example, it could be the one for your home or office address. Start with your current residential postal code.

However, if it doesn’t work, the website might show an invalid ZIP Code error. For those who move a lot or live in rentals, it may be more difficult.

Think of the previous apartment where you lived – you might try that one instead. If none of these work, try to enter the your office address ZIP Code for your current place of work in the postal code field.

However, be mindful that entering several ZIP Codes incorrectly might get your card blocked. Postal code information is not mandatory when making an in-person purchase.

On some machines, however, that option might not be available. For such cases, just enter any valid ZIP Code and continue with the purchase.

If you are a young adult (under 21) living in a shared accommodation, you might not have a ZIP Code to provide when applying for a card. In such cases, many people use a parent or guardian’s information instead.

This can help you get around the requirement. However, make sure to get the details updated once you arrange for a more permanent residence.

However, this detail is needed for almost all online purchases. The address is another piece of information that helps reduce credit card fraud.

The major companies (Visa/MasterCard/American Express) use a system known as Address Verification Service (AVS). It compares the details provided on file against those on the website.

If there is a discrepancy, the transaction will not go through. As mentioned earlier, a billing address is not required for offline transactions.

This includes Walmart, Tesco, CVS, Walgreens, Best Buy, and several others. When using credit cards in a store, the burden of preventing theft is on the cardholder.

For digital purchases, however, there is a higher risk due to the possibility of online theft of the cardholder’s identity. But when shopping offline, a customer must present their physical card to make a transaction.

Moreover, retailers prefer not to ask for these details because it will significantly slow down their transactions. Hence offline shopping can easily be done without a ZIP Code or billing address.

If it does not, the transaction will be declined. You might be asked to provide the details again.

This is why it may not be a good idea to try guessing the detail too many times. As mentioned earlier, the AVS system will compare the provided details.

In the next section, we discuss how to find the right ZIP Code and billing address. You can find the ZIP Code either on your credit card statement, in your online account, or by calling up customer care.

The easiest method is to look at the credit card or bank account statement. It usually carries your billing address and ZIP Code right at the top before the monthly transaction statements.

Most likely, it would be under the profile section.

Calling customer care and asking for the ZIP Code might look slightly suspicious. To confirm your identity, the executive will most likely check other details, such as your date of birth and current balance.

The customers are required to provide answers to them so that they can be used later in such cases. If this is the case, the customer care person will likely confirm the answer to those questions with you.

They can verify that you are not a credit card thief through documentation such as social security or other financial proof. After that, they might choose to either provide you with the correct credit or debit card ZIP Code or else issue a new one altogether.

They are needed to verify that the rightful cardholder is making purchases. Credit card companies use an AVS system to compare it with the details they have on record.

You might guess it to be either your current or past home details or office address. Another idea might be to try and make the purchase offline, where these details are not required.

You can check the billing statements, the card’s online portal, or call up customer care to find it out. Visiting the bank might be one final option if all else fails.

The success of any online store depends on its ability to deliver its products successfully. Every customer wants his/her shipment to reach them on time and in a safe condition.

Without a valid shipping address, the parcel won’t reach the customer. For smooth order fulfillment, you must know how to collect your customers’ shipping addresses properly.

Check out how you can ensure smooth deliveries using correct shipping details and carriers. The shipping address is the physical location of parcel delivery.

Without a valid shipping address, the package might not reach the destination. For the smooth working of an eCommerce store, it is necessary to provide accurate shipping details.

Without a correct and valid shipping address, a store cannot fulfill orders. Also, the shipping charges and shipping carrier depend upon the shipping details.

Shipping amount relies on the size of the package, its delivery location, zip code, etc. Not one type of shipping works for all places.

The shipping address can be the same or different from the billing address. The billing address is the address on file for the payment method you use to place the order.

In case of mismatched billing details, the card/bank will deny the transaction. In most cases, the shipping and billing address will be the same.

Common examples include: For online ordering, you have no other option but to provide both billing and shipping addresses.

Some famous national shipping carriers with trackable shipping in the US are: Let’s take a closer look at the services offered by these carriers.

USPS is one of the leading and most used shipping carriers in the US due to its affordable pricing. It is an independent federal agency that offers various shipping options.

It is a top shipping option for those who want to ship small and lightweight parcels at cheap rates. Here is a quick brief of some of its prominent shipping options:

USPS International shipping options. Apart from domestic shipping, USPS also offers International Shipping options.

USPS other services. USPS is not only known for its domestic and international shipping options.

USPS Shipping Rates. USPS shipping rates depend on package size, dimension, and shipping location.

The typical retail rates remain the same for all users and vary according to package size and destination. While the discounted rates are less than retail rates.

By accessing discounted rates, you can save up to 46% on retail rates. To check the shipping rates of various USPS shipping methods, you can refer to their official website.

So if you want to ship packages under 13 ounces, you should send them with USPS. You can also take advantage of USPS’s flat-rate option via priority mail.

For that, the package must fit into flat-rate boxes only. Like many other shipping carriers, USPS also has its pros and cons, which you must keep in mind before opting.

Cons of USPS: There are many locations where you cannot ship the parcel via UPS or USPS.

FedEx is almost the same as UPS in terms of quality and reliability. But unlike UPS, FedEx offers Saturday delivery.

Here is a quick brief of its primary shipping methods: FedEx Domestic Shipping Options.

FedEx other services: Apart from domestic and international shipping, FedEx also offers the following value-added services:

FedEx seems a little expensive for some parcels. But if you are looking for quality services, you can sign up for FedEx Personal or business account.

FedEx ground service starts at $8.23. The shipping rate varies depending upon package size and shipping location.

The rate calculator is available on FedEx’s official website. To access more discounted rates and premium services, sign up for a business account.

Cons of FedEx:.

UPS is known for its on-time shipping and comprehensive tracking system. Although, when compared to USPS, UPS is a little costly and only affordable for bulk shipments.

It includes: Based on your requirements, shipping address, and delivery time, you can choose the shipping type.

Here is the brief of some of its major plans: UPS Domestic Shipping Options.

Other Value Added Services Provided by UPS: UPS also provides many value-added services for your convenience at an extra cost.

Shipping Rates of UPS: Like USPS, UPS also has two types of shipping rates: Daily Rate and Retail Rate.

While the daily rate is the discounted shipping rate varies for users. The daily rate is available only for selected users, and to access it, you need a UPS agreement along with scheduled UPS pickup.

Pros of UPS: Many online sellers and eCommerce stores choose UPS because of its remarkable advantages.

Cons of UPS: In short, choose the following shipping carrier if you are looking for:

It is critical to optimize the checkout process to enhance the user experience. Most users will abandon their carts due to lengthy or complex checkout processes.

A lousy UI design for checkout can result in losing a potential customer. By optimizing the checkout UI design, you can save users time with a smooth process.

It is crucial to collect all the necessary details at the time of checkout for accurate delivery. A good UI checkout design saves the user’s time and enhances their experience.

Remove distractions. Unwanted distractions like banners, unnecessary links, header, or footer navigation ruin the user experience.

Always choose to “enclose” the checkout to increase the screen space. An enclosed checkout means that there will be no unwanted banners or links on the checkout page.

You can remove distractions during the checkout in the following way: Remove surprise shipping costs.

If the rate of the average abandoned cart in eCommerce is 70%, then 50% of it is because of surprise shipping cost. Many stores add surprise shipping costs at the checkout page, which irritates the user and tends to leave the process.

Customers feel that shipping or handling charges must be shown in the beginning to let them know the exact cost during checkout. Checkout should be transparent and straightforward for the user.

Always display the dynamic shipping rates at the beginning of checkout. You can use a real-time shipping tool for the same.

Free shipping always boosts your sales and attracts more customers. You can adjust the shipping cost in the product’s total price and give the customer a free shipping option.

Allow customers to save information. Give users the option to sign up as a guest or create an account at the beginning of the checkout process.

This way, they don’t have to enter their details every time they buy something. Don’t make the signup or account creation process complex.

Any time you move to a new address, make sure you change your billing address with your credit card issuer. Why.

An accurate credit card billing address helps ensure important card-related mail, such as your monthly credit card statement, is sent to the right place. Secondly, keeping your billing address updated helps protect you from potential identity theft.

And how can you change your credit card billing address. Let’s take a close look at how billing addresses work, including how to find the billing address of a credit card and how to change your billing address with several major credit card issuers.

A billing address is an address associated with your credit or debit card account. When you apply for a credit card online, for example, the address you include on your application will become your billing address.

It has a street number and name followed by a city, state and ZIP code. If you live in a specific apartment or unit, that information will be included in your billing address as well.

Your billing address and your billing ZIP code both play key roles in helping to prevent identity theft. Merchants often require you to include your billing ZIP code during the checkout process, especially if you are making an in-person purchase at a brick-and-mortar retailer.

There’s no billing ZIP code printed on your credit card—which means if your card gets stolen, the thief will have a hard time using your credit card to make purchases. Your billing address also protects you through the Address Verification System, also known as AVS.

If the addresses do not match, the transaction will often be declined. There are four easy ways to change your credit card billing address:

” Check the billing address for your credit card by either looking at the address printed on your billing statement or log in to your online banking account and review the billing address associated with your credit card. If you have a bank account that includes a checking account, a credit card and a debit card, making a credit card address change might not automatically change the billing address on your debit card and checking account.

Here’s how to change your credit card billing address with several major credit card issuers: To submit an American Express change address request, log in to your American Express online account or call customer service at 1-800-528-4800.

If you’re an additional cardholder and need to update your home address, contact an American Express Customer Care Professional. Only primary cardholders can make updates to all other addresses.

You can also visit a Bank of America financial center to change your billing address in person. To change your billing address with Capital One, log in to your Capital One online account, select your name or icon and then select “Profile” to access and edit your billing address.

If you have a Capital One branch account, contact the Capital One Bank customer service department by phone or by chat to update your billing address—or visit a Capital One branch in person. To submit a Chase change billing address request, visit your Chase online account and select “Profile and Settings.” You can also contact Chase customer service at 1-800-935-9935.

If you need additional help, you can chat online with a Citi representative. To change your billing address with Discover, log in to the Discover Account Center and select “Account Profile” followed by “Update Your Personal Information.” You can also contact Discover customer service at 1-800-DISCOVER (1-800-347-2683).

Bank change address request, log in to your U.S. Bank online banking account, open the menu bar and select “Customer Service” followed by “My Profile.” If you are accessing your U.S.

Bank mobile app, select “Menu” and then select the gear icon. You can also call U.S.

To submit a Wells Fargo change address request, sign on to your Wells Fargo online account and select “Update Contact Information.” You can also contact Wells Fargo’s credit card account management customer service line at 1-800-642-4720. You may find yourself coming across errors when trying to purchase something online, for example, if your billing address doesn’t line up with what is listed on your account.

As we now know, adjusting your billing address is a simple process, so here’s what you can do if you need to solve billing address errors: If you recently changed your address, you need to change your credit card billing address as well.

Shopping online is incredibly convenient, but hackers and malware can make inputting your credit card information online dangerous. Thankfully, there are ways to buy things online without using your credit or debit card.

The more you can protect your credit card number the better, so try using these methods of paying without directly using your bank account or credit card. These methods can also help you budget if that’s something you want to easily keep track of.

The easiest way to buy things online without using your credit card is to join a service that lets you use your card or bank account indirectly in a secure way. One of the most popular services like this is Privacy, which generates virtual credit cards for you to use on purchases wherever you shop online.

When you sign up for Privacy, you input your bank account or credit card information once, on a secure webpage. This keeps it in a safe place on the site, where it can’t be accessed by outsiders (at least not easily).

Related: Data leak exposes thousands of unencrypted credit card numbers.

You can pause these virtual cards at any time, making fraudulent purchases with them almost impossible. Simply unpause them when you want to use them again.

If you’re really worried about someone accessing your virtual card, you can put a spending limit on it. This can help if you want to pay regular subscription fees securely or set a firm budget on your online shopping.

As for budgeting, with a limit, you won’t be able to overspend on Amazon or your favorite clothing sites. Privacy is a great way to keep track of your online shopping while you avoid being a casualty of a retailer data breach, which leaves credit card and debit card information accessible to wily and opportunistic hackers and identity thieves.

It’s totally free.

So you won’t pay a cent to have secure, virtual credit cards through Privacy. Tap or click here to sign up for an account and start shopping more safely right here.

A secure way to send money to people in your life, PayPal also lets you send money to merchants.

You input a credit card, or your bank account information and then you’re good to start making purchases. Simply click the PayPal option when you’re checking out while online shopping, which again is an option most major retailers have.

With the confirmation, you’ll get a special PayPal receipt to your email, on top of whatever receipt the actual site gives you. In giving you secure and faster ways to pay for things online, and ways to send money to friends and family with ease, PayPal is a great option — the only downside is, not every place you shop online will have PayPal as an option at checkout.

For a less digital way of securely checking out without your credit card, try using gift cards when you shop online. These cards can be purchased for a particular retailer, or you can get general gift cards, like ones from Visa and American Express, to make your online purchases.

After all, if these numbers get hacked, you’ll only lose the amount left on the card — perhaps not an insignificant amount of money, but far less than if you input your credit or debit card information on a site. The only downside to this option is you may need to keep a few cards on hand at any given time, and they can expire if you don’t utilize them.

No, you typically do not need a USA billing address to shop from a US online store when you are located overseas. Most US online retailers accept international orders and payments from customers around the world.

While you don’t need a USA billing address to shop from a US online store overseas, you should be prepared with an international payment method, a valid shipping address, and an understanding of any potential additional costs that might arise during the shipping and delivery process. A good example of a store that only accepts some international billing addresses is Nike, their US store.

Can I pay with a credit card issued outside of the US. Yes, credit cards issued by banks from select countries and regions can be used on your Nike.com order as long as you have a US shipping address.

The key words are “select countries” Nike will accept payment with a billing address from some countries, but not all. If a retailer, such as Nike, does not accept payments with an international credit card billing address, there are a few alternative methods you can consider to shop with them:

Always make sure to verify the legitimacy of any service or company you’re considering using for payment assistance. Yes, many US online retailers, including Nike, accept payment methods like PayPal, Google Pay, and Apple Pay.

These payment methods can be particularly useful for international shoppers, as they provide an extra layer of security and convenience when making purchases from overseas. Here’s how each of these payment methods works:

Always ensure that you are using the official apps or websites of these payment providers to avoid scams and unauthorized transactions. As payment methods and options can vary from retailer to retailer, it’s a good idea to check the payment options available on the specific online store where you intend to shop.

Your billing address is an essential piece of information. If you are a business owner, you must change your billing address each time you move your office to a new address.

With every movement, you must update your billing address. It allows your issuer to communicate with you and helps protect you from any identity theft.

There is already too much on your plate. With so many other priorities, none of the companies or people want to invest their time.

The same is true for a person’s monthly credit card bill, bank statements, etc. You would not want any other person to go through these personal details.

In this article, we would be taking you through. Billing address is used in shopping (both online and offline) by an individual or a business.

It is at this address that one makes the payment of the goods or services. In the case of online shopping, usually, you make your payment via a credit or debit card.

It is also where companies send hard copies of bills and bank statements. Your billing addresses must match the data present with the bank or credit card company.

In most cases, the billing address is where these services are provided or where the owner of that building resides. In many countries, medical expense bills are also sent to a billing address.

For instance, a company ‘A’ has its head office in California, but it has opened its new office in Seattle. It has purchased desks and chairs for its Seattle office.

But the delivery of the purchased items will take place at its new office in Seattle. Billing addresses help identify the person or the company wanting to buy online.

Here are 4 reasons why you must update your billing address. An un-updated billing address exposes your sensitive and critical financial information to others.

Let’s say you are a company owner who has recently moved to a new office and missed updating your billing address. Companies may send invoices, bills, and confidential documents to your previous office address.

or your bank statements are mailed to your address.

Additionally, there may also be a delay in receiving essential documents. Thus, If you haven’t updated your billing address while moving, it can turn out to be risky for your business.

When you make payment for your service upgrade, you put the card details, including your billing address. This process confirms if it is you or someone else making the payment on your behalf.

The card company has all the information, including your billing address, that you provided when obtaining the credit card. When you buy online, you are asked to add your billing address.

If the addresses don’t match, the credit card company will not identify you, and your transaction will be declined. Many other companies like telecommunications, insurance companies, etc., use this same method.

When you are shopping online, you might notice that you are often required to confirm your ZIP code during the checkout process while making payment. This step provides added protection to your transactions.

These laws are important for governments to ensure they keep accurate records of citizens. People are often confused over billing and shipping addresses.

When you are shopping online, you may notice that the online seller will ask you for your billing address and the shipping address.

If the two terms were similar, the seller would not have asked for the options separately. So what is the difference between these two terms:

Billing Address. Shipping address is the address at which a person or a company receives the purchased goods.

It does not require an AVS system for verification. Billing address is verified using AVS system.

It is the fastest and the easiest way to change your billing address. All you need to do is log in to your online account and edit the billing address in your profile section.

You can put up your request with a customer service representative to change your billing address. If you have been corresponding with your service provider using the traditional mail system, you can write your new address on the back of your payment cheque/coupon.

There, you can reach out to the ‘May I Help You’ section or speak with a representative to update your billing address. Please remember, whichever option you choose, you must do it for all the service providers, banks, or credit card companies.

In the above sections, we discussed how and why we need to update our billing address. We also saw that an old billing address could lead to invoices, bills, and credit cards falling into the wrong hands.

Deskera is an all-in-one platform that helps you run your business. This cloud-based software consists of Accounting, CRM & HR Software.

Organizations can track all the relevant information on the go through this app in real-time and make informed decisions. As a business owner, you can invest in accounting softwares that can help you keep track of your journal entries, balance sheet, inventory and overall managing procurement.A successful business needs an efficient financing process that meets its specific needs.

The double-entry record will be auto-populated for each sale and purchase business transaction in debit and credit terms. Deskera has the transaction data consolidate into each ledger account.

Deskera helps you to: You can keep tabs on your expenses on your dashboard.

You get a complete overview of your bills with the “Bill” tab. At the same time, you know which bills are due for payment to avoid late payment fees and a poor relationship with your suppliers.

The system helps you with reminders and notifications for due dates. Also, you can create recurring invoices.

You can make instant bill payments via Veem. Approved payments will automatically mark your bill as “Paid” and close.

Accept credit card payments and online transfers to make it easier for your clients to pay you. Just insert the payment link using Deskera — and rake in the money.

If you do not want to miss out on any communication, you must keep your billing address updated. Here are the Key Takeaways from the article:

Image source: Getty Images. Online payments have undergone a Darwinian evolution.

Cash App. Apple.

Savvy consumers are evolving, too. They are adopting new ways to pay out.

Discover: This card has one of the longest intro 0% interest periods around. More: Consolidate debt with one of these top-rated balance transfer credit cards.

Possibly, too many options. Figuring out the best way to shop can be intimidating.

Mobile wallets like Apple Pay save payment information to users’ mobile devices. You can link your wallet to your credit card or bank account, and the wallet will automatically fill in that information at checkout.

Three popular mobile wallets: Users who shop from their phones should consider using mobile wallets.

That said, it’s possible that using a mobile wallet causes me to spend more money than I would otherwise. Some of the best payment apps are those that facilitate peer-to-peer payments.

Popular peer-to-peer checkout services: Shopping this way isfast, easy, and doesn’t require users to enter credit card information.

Watch out — digital payment platforms are on the rise. They offer users credit-card-free ways to pay.

Users can also save credit card or debit card info to their accounts. For example, Shop Pay allows users to pay with saved credit card information.

Digital payment platforms allow users tosave all their financials in one easy-to-access account. Some offer alternative perks as well, like credit lines or package tracking.

Wildly popular, about half the American population has used a BNPL platform at some point. Popular BNPL platforms:

These services typically integrate with websites, creating a smooth user experience for shoppers. Users should consider holding off on making purchases they’re unsure they can repay on time.

A safer alternative is to put money into a savings account each week until you can pay for the purchase in full. The convenience of shopping online without a card on hand typically requires users to set up accounts on new platforms.

Prepaid cards work similarly to debit cards, but there is one key difference: Shoppers can purchase them with cash, meaning you don’t need an existing bank account to use them. Prepaid cards from Visa or Mastercard are available at most convenience stores and supermarkets.

I prefer to maximize convenience. I shop with a mix of mobile wallets like Apple Pay and digital payment platforms like PayPal.

However, I had to adjust my email settings to avoid unsolicited advertisements. Users should choose what they can afford and consider what information they’re comfortable sharing online.

Online shopping has evolved, and users have evolved with it by adopting new payment methods. If you have credit card debt, transferring it to this top balance transfer card secures you a 0% intro APR for up to 21 months.

Those are just a few reasons why our experts rate this card as a top pick to help get control of your debt. Read our full review for free and apply in just 2 minutes.

The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.Suzanne Frey, an executive at Alphabet, is a member of The Motley Fool’s board of directors.

The Motley Fool has positions in and recommends Alphabet, Apple, Mastercard, PayPal, and Visa. The Motley Fool recommends the following options: long March 2023 $120 calls on Apple and short March 2023 $130 calls on Apple.

Having an Apple ID is a prerequisite to do just about anything related to Apple services. If you want to buy music on iTunes, download apps in the App Store, or use iCloud, you must have an Apple ID.

But Apple has changed its stance and has been letting users create an Apple ID without a credit card for a while now. Whatever your reason might be to do so, we are going to show you how to create an Apple ID without a credit card….

We last checked the steps highlighted in this tutorial in February 2016 and we can assure it still works at this time. The following steps were performed on an iPhone, but the process is the same whether you use an iPod touch, an iPad, or even iTunes from your desktop computer.

If you are, simply sign out. 2) Go to the App Store and look for any free application.

3) Tap the “Free” button once. It will turn into an “Install” button.

At this point, the App Store app will ask you to either sign into your account or create a new one. Select “Create New Apple ID.”.

4) Select your country or region, then tap Next.

Alternatively, if you have 7 hours to spare, you may first go through the terms and conditions, then agree to them.

This includes email address, password, date of birth, and a few security questions. Tap “Next” when you’re done.

If necessary, create a new email address.

8) Apple will send you a confirmation email to the email address you provided. Check your emails and click the “Verify” link in the email Apple sent you, then log in using your newly created username (your email address) and password.

You should now be able to download free content from Apple. If you ever try to download paid content though, Apple will ask you to update your payment information and provide a credit card.

Don’t have a credit card. Or maybe you have but are afraid of sharing your data online.

Fortunately, we live in a glorious age of infinite payment options without a credit card. The Internet is dangerous, so, understandably, many users prefer to use it with limited trust.

Older people who do not grasp the basics of malicious activities like phishing, pharming, or social engineering, are often chosen targets. And although paying by credit card usually goes smoothly and safely, even you can become a potential victim of a simple attack.

So how to buy things online without a credit card. And is it possible to limit the use of an online credit card at all.

To learn more, read this article on safe online shopping without a credit card.

It is a legit service offered by independent operators like Google Pay that allows you to make various online and stationary payments. Depending on your personal needs, you can use it as an active account with a credit card attached, a prepaid card, or just an application on a mobile device.

Why is an electronic wallet such a great solution. Let’s start with the essential fact that it’s usually completely free to set up and run.

It is a perfect alternative to paying by credit card as it encourages spending in stores online, internationally, in local points, or anonymously. You decide how and where you want to pay.

It is an excellent payment method for those who care about privacy and security. Gift Cards and Vouchers are now available almost everywhere, offering a remarkable variety of spending methods as part of their services.

If you are looking for a voucher to replace your credit card, check out proven products like Flexepin Gift Card or Neosurf Gift Card. Depending on your needs, configure your preferred payment settings and use them as you need in various shops.

Now you can buy vouchers and gift cards for any occasion. Hungry.

And if you dream of a new video game, look at the vast selection of Steam Gift Cards. And for those interested in entering the fascinating world of cryptocurrencies, we recommend Binance or Crypto Vouchers.

Sounds mysterious. Don’t worry – prepaid cards are just classic plastics with a few more perks included.

The best examples of financial services issuing such cards are Visa, Mastercard, Zen, and Revolut. You can order your prepaid card from these trusted providers and set rules for its use.

Well, prepaid cards always have limited funds in your account. So you decide how much money you want to spend.

But transfer some of that amount to your prepaid card, and you can use it as you want – without exceeding the selected number or losing all available funds from a hacking attack. This method is the best choice for those who want to save cash or for children and teenagers who are just starting their grand adventure with finances.

But how is a debit card different from a credit card. The answer is simple – you will get the first one only by proving your creditworthiness.

So if you do not want to create overdrafts on your account or have debt with the bank – check out the key benefits of using a debit card.

The only difference is it has a few specific pros, especially vital for those who want control over their expenses. The debit card will not allow spending more than you have on your account.

But always remember to check additional fees before ordering both cards, as different providers charge extra payments for using their services. When choosing your dream debit card, you can be sure of the bank’s security and quick reaction in the event of potential fraud.

So if you do not care about building credit and are looking for a payment method free of debts or fees – choose a debit card and enjoy safe shopping wherever you want. More and more people choose secure online payments without a credit card.

But some still fear such ways, trusting only outdated or proven solutions. Sometimes they feel hesitant about using digital payment methods, which may seem complex.

Now you can keep your money in a digital wallet, on a prepaid or debit card, and pay with the app, smartwatch, or even the gift code itself – no loans or debt repayments as in the case of credit cards. So don’t worry about how to buy stuff online without a card.

Buy cheap Gift Cards on G2A.COM.

Learn about all the payment methods you can use to shop online without a bank account. From prepaid credit cards to gift cards, we review all your options.

Globally, people are shopping online more often than ever before. Of course, the Covid-19 pandemic is a big reason why you would shop or buy more entertainment services online.

However, it’s not impossible.

The Post Office Money Card can be purchased with cash. You can choose from two types of prepaid cards: the Pay as You Go card or the Pay Monthly card.

Examples of gift cards are Amazon UK gift cards, but also the Playstation Store, Blizzard and Read Dead Online gift cards, that you can only use to spend with the brand mentioned on the prepaid gift card. Simply purchase a code with cash and top up your card with this code.

Please note that you may need a bank account to buy a top-up code online, depending on the website you’re buying from. In some countries, like The Netherlands, you can pay for your prepaid credit card top up code with your call credit (or via your mobile phone contract).

Online shopping has a variety of benefits when compared to traditional shopping. With more options, fewer crowds, and the simplicity of the purchasing process, it’s easy to see why online sales have continued to increase.

Here’s what you can do to stick to your budget and avoid some of the most common pitfalls.

In some instances, all you have to do is click a button, and an item is automatically sent to your home. Before you make a purchase, though, it’s a good idea to pause and ask yourself some questions about what you’re adding to your cart.

If you or your family can’t live comfortably without the item, it’s a need. If the item is a “want” and not a need, wait at least 24 hours, if not longer, before you buy it.

It might be the case that you completely forget the item after a day and don’t end up buying it at all. What’ll happen if you don’t buy it right now.

It’s also a good idea to do some research prior to a purchase. Can you return the product if you decide you don’t like it.

Some stores offer free shipping on returns, while others deduct a return shipping fee from your refund. Also, some stores might only let you return items for exchange or store credit.

Are people generally happy with the product, or are they reporting problems. They might say it’s a poor fit, it’s poor quality, or it’s not as described or pictured.

It’s very likely that several stores sell the item you want to buy, and that one of them is going to sell it for less. Shopping online simplifies this kind of comparison shopping.

If it’s a specific item, use as many identifying keywords in your search as possible, including brand, color, size, and product name. It can be worthwhile to see if there are store-brand or private-label versions of the item, too.

You can also do some digging for discount codes or coupons. Some retailers will price match, so if you’re part of a loyalty program with one company but find the item for sale or at a lower price elsewhere, check to see if the first retailer will match the lower price.

While this may seem like a good idea, saving your card information can be a little too convenient. The next time you’ve got a shopping itch, all you need to do is load up your cart and click “buy.”.

Having to retrieve your card before each purchase and manually type in the number, expiration date, and security code adds an extra step that can keep you from overspending. Plus, deciding not to save your card information helps to keep your personal data safe when you shop online.

To get an idea of what you’ll pay for shipping, you can try doing a mock checkout, stopping at the point where you get the order total. While some stores offer free shipping, not all of them do.

That said, be wary of buying more than you need just to reach a free shipping minimum. If shipping is $5, but free for orders over $50, and you only plan on spending $25, you’ll end up spending a lot more to reach free shipping than if you were to pay the $5 fee.

You may want to consider adding a gift card to your purchase in the additional amount required to obtain free shipping if it’s a retailer you shop from frequently. When you’re shopping online, adding items to your cart and closing the browser tab before checkout can be just as satisfying as making a purchase.

Another thing to keep in mind is that retailers will sometimes offer a discount or free shipping code if you add an item to your cart and delay purchase. Or, they might send a notice later letting you know that the item is on sale.

Online shopping is convenient and can often help you get the best prices on products you need. As long as you stick to your budget and resist temptation, you’ll avoid impulse buys and poor purchasing decisions.

Learn how to change the email address associated with your Apple ID.

You won’t lose access to your contacts, purchases, or other account information. The easiest way to change the email address associated with your Apple ID is with your iPhone or other trusted device.

Keep in mind that you can’t use an email address that’s already in use by another Apple ID. If you use services like iCloud or Messages, make sure to sign in to those services with your new Apple ID.

Tap Sign In & Security.

Tap the Remove button next to the email address, then tap Delete.

Enter the new email address, then tap Continue. Enter the verification code that was sent to your new email address.

When possible, the web process redirects you to a trusted device to change your Apple ID. If you don’t have a trusted device, you can still change your Apple ID email address on the web.

Go to appleid.apple.com and sign in. Then follow the onscreen instructions to change the email address associated with your Apple ID.

Learn what to do if you didn’t get the email. If you try to change your Apple ID to an @icloud.com email address that was created within the last 30 days, you will be asked to try again later.

If a family member is using that email address, remove it from their account, then try to use it. You can change your Apple ID to a different mobile phone number.

Learn how to change your Apple ID.

PayPal has become synonymous with e-commerce and online banking, offering one of the safest ways to make online transactions. While we often think of Visa, MasterCard, and American Express as the go-to credit card brands, PayPal is also a player in the credit business.

Sadly, some users do not know how to use the PayPal credit option. As a fully online-based service, PayPal credit differs from other credit cards bearing the PayPal name, such as the PayPal Cashback Mastercard.

In this guide, we’ll explore everything you need to know about using PayPal credit and how it can help enhance your online shopping experience. To access the PayPal credit function, you must create a PayPal account.

Once your account is ready, link it with a debit or credit card, then use it to shop or send money. Select the card type, and fill in the card number, expiration date, and security code.

However, if you want to change, the drop-down arrow will allow you to do so. ©History-Computer.com.

For quick approval, ensure your credit history is good. To apply for PayPal credit, go to the PayPal website and click “Personal” at the top of the page.

From the drop-down menu, select PayPal credit and click on Apply Now. ©History-Computer.com.

To comply with PayPal credit’s six-month rule, you can avoid interest charges on purchases that cost more than $99 if you pay them off within six months. You could delay making payments for up to six months without incurring interest or fees.

©History-Computer.com. ©History-Computer.com.

To provide a billing address, fill out the form on the left side of the page with your preferred street address, city, state, and ZIP code. ©History-Computer.com.

©History-Computer.com. If you don’t own a mobile phone, select the Mobile option and choose Home before providing your home phone number.

Although the terms of use can be lengthy and unremarkable, it’s vital to stay informed about any modifications PayPal has made to the PayPal Credit conditions. ©History-Computer.com.

After submitting your application, PayPal will respond to your eligibility for a credit line in less than a minute. To approve your application, PayPal will check your credit score as banks do before issuing a loan.

This implies that your credit score will be fine with missed payments. Conversely, consistently paying on time will not boost your score either.

If your application is successful, select Continue to return to your PayPal account. You must designate your credit as your primary payment option to use your credit for in-store purchases.

Click on the payments tab, then scroll down to the bottom of the page to find your preferred payment method. ©History-Computer.com.

After that, you can use your credit for purchases at stores. ©History-Computer.com.

It is important to remember that since you don’t have a physical card, you need to use the PayPal mobile app for both methods. Thus, download and sign in to the app before making any purchases.

Some stores may require you to provide your mobile number associated with your account and a PIN. Once you enter your phone number and PIN, a QR code will appear on your mobile device, which the cashier can scan to complete the transaction.

©History-Computer.com. Certain stores may require a code instead of a pin when paying with PayPal.

©History-Computer.com. To generate the passcode, launch the app and navigate to the store section at the bottom of the screen.

Once you’ve chosen the store where you want to purchase, a four-digit code will be generated for you. ©History-Computer.com.

You have up to six months to pay off your balance for $99 or more purchases without incurring interest charges. With PayPal credit, you can enjoy the flexibility of paying for your purchases over time while avoiding costly interest charges.

To learn more about how PayPal Credit works check out the video below which walks you through how to apply for and use it. In June, 2023, PayPal announced that it would be introducing Tap to Pay for Venmo and PayPal Zettle Businesses in the U.S.

The company has also been making headlines for its strong financial performance. In the first quarter of 2023, PayPal reported earnings per share of $1.28.

Revenue for the year was also up 17% year-over-year to $6.48 billion. The image featured at the top of this post is ©ymgerman/Shutterstock.com.

Today, we are going to learn how you can buy windows, roofing supplies, and lumber from TMP completely online without using your credit card. This will help you have many more options when you decide to shop online at TMP.

Our team at TMP is committed to providing the safest and most convenient shopping experience to all our customers located at home here in Jamaica and worldwide who are looking to buy roofing supplies, windows, and lumber for local use. In our recent posts, we learned how to buy roofing supplies online at Tropical Metal Products (TMP).

Let us get started.

The steps to place your order online or checkout online without using your credit or debit card will be the same for this tutorial from step 1 to step 12. You can follow that tutorial here or by watching the video version below.

When you are finished you only need to follow the remaining steps of this tutorial or use the steps that show how to checkout using Direct Bank/Wire Transfer. To checkout by transferring the money to our bank account select the Direct Bank transfer option on the checkout page.

When you are ready to submit your order click checkout. Please remember that even if you selected Debit/Credit Card to pay online we will not bill your card until our sales team calls and confirms your order.

After you’ve submitted your order on the checkout page our sales team will contact you shortly after to confirm your order and begin processing payments. It is at this stage that you may be able to get a reduction in your delivery fees based on the location of your delivery.

This will take place after you confirm that your order is indeed what you wanted. Again, this is done to reduce fraud and protect you our valued customers.

Production and delivery of your order will now take place. You will be updated by our sales team when your order is ready for delivery or pickup.

We know that being able to buy your roofing supplies, lumber, and windows from the comfort of your home will make your life easier and more convenient. Our team at Tropical Metal Products Jamaica (TMP) remains committed to providing you with the best, fastest, safest, and most convenient shopping experience possible whether it is online or offline.

If you are still unsure about placing your order online or might even want to pay online using your credit or debit card but are wary of security threats then understand that team TMP cares and we are doing everything we can to protect you when you shop with us.

You can also talk to our sales team by using the live chat feature or one of the methods on our Contact page.

With your Apple ID, you can access all Apple devices and services — such as iCloud, the App Store, and more. Create your Apple ID on iPhone or iPad.

Create your Apple ID on a Windows PC. Create your Apple ID on another device.

You might be able to sign in to your device or on the web with an email address or phone number that you use with Apple services. When you’re signed in on your device, you can find and add additional email addresses and phone numbers that you can use to sign in to your Apple ID: Settings (or System Settings) > your name > Sign-in & Security.

You can create a new Apple ID when you set up your device, or set it up later in the App Store. Tap “Forgot password or don’t have an Apple ID.

Tap Create a Free Apple ID. Select your birthday and enter your name.

Tap “Use your current email address,” or tap “Get a free iCloud email address.”. Follow the onscreen steps to verify your email address, create a strong password, set your device region, and set up two-factor authentication.

Open the App Store and tap the My Account button. Tap Create New Apple ID.

Follow the onscreen steps to provide an email address, create a strong password, and set your device region. The email address that you provide will be your new Apple ID.*.

You can also choose None. You won’t be charged until you make a purchase.

Confirm your phone number. This can help to verify your identity and recover your account if needed.

Check your email for a verification email from Apple and verify your email address. After you verify your email address, you can use your Apple ID to sign in to the iTunes Store, App Store, and other Apple services such as iCloud.

You can change the number later, or change your country or region to a location that doesn’t require it. This number is only used for verification purposes.

Choose Apple menu  > System Settings. In earlier versions of macOS, choose Apple menu  > System Preferences.

In earlier versions of macOS, click Sign In. Click Create Apple ID, then follow the onscreen steps to provide an email address, create a strong password, and set your device region.

Enter your payment method and billing information, then click Continue. You can also choose None.

Check your email for a verification email from Apple and verify your email address. After you verify your email address, you can use your new Apple ID to sign in to the App Store and other Apple services such as iCloud.

* In China mainland, you might be required to provide a +86 phone number for your Apple ID. You can change the number later, or change your country or region to a location that doesn’t require it.

Apple IDs can be created on a Mac with OS X Capitan or later. Open iTunes for Windows.

From the menu bar at the top of your computer screen or at the top of the iTunes window, choose Account > Sign In. Then click Create New Apple ID.

The email address that you provide will be your new Apple ID.*. Enter your payment method and billing information, then click Continue.

You won’t be charged until you make a purchase. Check your email for a verification email from Apple and verify your email address.

You can change the number later, or change your country or region to a location that doesn’t require it. This number is only used for verification purposes.

If you set up the Apple TV app on your smart TV, you might be redirected to activate.apple.com to create your Apple ID. You can also use the steps below to create your Apple ID on the web.

Follow the onscreen steps to provide an email address, create a strong password, and set your device region. The email address that you provide will be your new Apple ID.*.

Check the boxes to subscribe to Apple Updates if you’d like. This keeps you up to date on the latest news, software, products, and services from Apple.

Follow the onscreen steps to verify your email address and phone number.

* In China mainland, you might be required to provide a +86 phone number for your Apple ID. You can change the number later, or change your country or region to a location that doesn’t require it.

If you created your Apple ID on the web and see a message that you need to sign in to iTunes, follow the steps below for your device:. On iPhone or iPad: Open Settings, then tap Sign in to [device].

On Mac: Choose Apple menu  > System Settings, then select Apple ID and sign in with your Apple ID.

On a PC or Android device: Go to tv.apple.com or music.apple.com and sign in with your Apple ID. Store availability and features might vary by country or region.

From big name marketplaces to smaller more local stores, the internet is full of places to shop. People across the US are using their cell phones, laptops and home computers to search the web for the best deals.

The number of people using the internet to shop has grown massively from 22% in 2000 to 79% in 2016 – and it’s still rising. With so many great bargains to be found, shopping online can go a long way to saving you some money.

There are ways you can still benefit from the low prices online. Prepaid cards are a great alternative to a debit or credit card and are widely accepted in many online stores where you see the Visa® or Mastercard® signs – such as the Kroger.com online store.

Your registered prepaid card is protected by a unique pin number and can be replaced quickly if it gets lost or stolen – keeping your funds secure so you only lose what’s loaded on your card. You can buy and top-up your card in your local Money Services and use it as a way to track your spending with email and text alerts or paper statements.

It’s easy to do – simple load the temporary card with cash between $10 and $500 and funds are instantly available. Then you’ll need to go online to register the card in your name.

Then you’ll need If you’re reloading your card using cash, you’ll have to pay a small fee of $3. There are a number of ways to shop online without a credit card, using money orders, debit accounts linked to PayPal and even cash in hand.

You can buy money orders at your local Money Services and use this as a secure way to pay for something without having to send physical cash in the mail. Powered by Western Union®, a money order looks a lot like a check but the amount has already been paid.

Contact the seller and get their details – it’s a fast way to pay for online items. Just visit your local Money Services and one of our friendly store associates will be happy to help.

Simple. If you’ve bought something locally online, you can visit the seller and pay them directly with cash.

Make sure in these cases, you get a receipt – either via email or in writing. .