How to use a credit card without PIN/ZIP code and shop online?

How to use a credit card without PIN/ZIP code and shop online?

How to use a credit card without PIN/ZIP code and shop online? | Best solution in 2022

To make online payments, you need an online payment method that is accepted all over the world or at least on the website that you’re purchasing from. But for using these cards, you need to put in the PIN/ZIP code.

This article will discuss some ways you can use your credit/debit card without a PIN/ZIP code and shop online.

Is it possible to use a credit card without a PIN/ZIP?

The clear answer is yes; you can use a credit card without entering a PIN/ZIP code while you’re online shopping. But you can. It is not possible in other countries. It can improve user experience and keep their money safe, as banks use several security checks before an online transaction. 

Like regular credit cards that are chip-and-signature preferred or NFC enabled, contactless credit cards are a new thing in the market.

NFC Technology

It uses the latest NFC or RFID technology that allows instant payments without interaction. If you’re shopping offline and want to use your contactless credit card without using a PIN/ZIP code, you can use your RFID-enabled credit card for transactions.

This payment method is usually called “tap and go” or “tap and pay,” as these payment transactions are ten times faster than ordinary transactions. You can also use this technology if your credit card is connected with your iPhone or iWatch. 

Online Shopping 

Depending on the online purchase amount, it is predicted whether to demand the PIN/ZIP code. Once it crosses a certain limit, the website will ask you for the password and all other security questions and possibly ship depending on your explanation for the zip code, if it matches or not. 

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Most website owners can allow the transaction or reject it in objection to fraud or theft of credit cards. Small business owners can program their sites to accept all orders or customize the checkout to reject for various reasons.

As website and business owners, they are answerable to the banks, even if an owner allows the transaction without any PIN/ZIP. The bank will require an explanation before releasing funds to the business people’s bank account.

Using Gift Cards

Gift cards from credit card networks, such as Visa or MasterCard, can be used at any online store that accepts payment from that online store. You can also use a retail gift card to shop online, but only on that retailer’s website. A Macy’s gift card, for example, can only be redeemed at Macy’s.

Gift cards can be purchased in the same places that prepaid cards can. Many of the shops around the state also sell retailer-specific gift cards, but you can also buy these directly from the retailer.

Money Transfer Services 

Some money transfer services that allows you to send and recieve money to friends and family also provide consumers with prepaid debit cards. There are no fees with this card unless you withdraw money from an ATM or if you don’t use the card for a certain period. 

You can order the card online or in person at any company’s location. However, to avoid paying a fee for loading the card at a money transfer store, you must deposit funds on it online or over the phone.

Using Debit Cards

A prepaid debit card is another option if you want to get cash advances from a card.

Prepaid cards are not the same as secured credit cards; they differ numerous ways. Most importantly, prepaid cards do not report to credit bureaus, whereas secured credit cards do.

The good news is that a prepaid card can be obtained for a few dollars. You will then load money onto it and use it as a debit card.

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While some situations may call for it, this option is still less expensive than a cash advance.

Use your friend’s credit card.

You can use your friend or relative credit or debit card for your online purchases as long as you pay them back. When you use this option, enter the correct billing address so the payment will process correctly.

Are contactless cards safe?

Contactless credit cards are currently among the safest methods of payment till now. It is challenging for a hacker to recreate the one-time code that contactless credit cards generate for each transaction. But there is still a possibility that a hacker could breach your credit card.

No doubt, contactless credit cards are far more secure than magnetic strips, which can be easily duplicated.


This article discussed using a credit card without a ZIP/PIN card. We also discussed the different ways to use a credit card without a PIN/ZIP. Finally, we also discussed the alternative ways of completing your transactions without using the PIN/ZIP code.