[HOWTO] Buy online without a CC

Hey guys

Well i just figured out this morning how to buy online with a credit card without actually having a credit card technically. So ill do simple steps here...

Pretty basic, with a service from Easypay (if you look at the bottom of say your telkom bill or electricity bill you will see their logo) called VCpay. (www.vcpay.co.za)

How it works is you deposit money into a virtual wallet then you create virtual credit cards on the app on your phone. so step by step here we go

1. Go to vcpay.mobi and download the app (Available for android,ios and bb)

2. Once downloaded register on the phone you downloaded

3. Once registered you will need to deposit the cash into your "ep wallet", follow these instructions at https://www.vcpay.co.za/depositFUNDS.aspx

4. Once funds have cleared (roughly about 10-30 mins) you will then need to create a virtual card on the phone for the amount you want (ie you can put say 500 into the account but only make a 200 vcc so u can make another one later)

5. Once the vcc has been made, buy online as you would using the details of the virtual credit card as you would a normal credit card :)


Nice thing is once you registered every transaction you do it sends you a sms with both the purchased value (dollar,euro etc) and it also gives you a rand value :)

Enjoy!
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TESTED ON AND WORKING
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Steam store (purchased steam wallet)
Blizzard store (Added cc and purchased in Hearthstone)
Humble Bundle

What happens to the money that is left over and do you have to use a phone to use this service?

Moved to "How To Guides and Walkthroughs".

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Originally Posted by Crzwaco

What happens to the money that is left over and do you have to use a phone to use this service?

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As far as im aware it keeps it as a "balance" that you can do anything with, make another virtual credit card, pay your electricity pay your fines, w.e u want.

You can make more than one vcc

Phone im assuming havnt tried it on my tablet yet, just done it on my bb9300, but if its available for android and ios i assume you can use it on a tablet, unfortunatly cant use the website to create a vcc

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Originally Posted by Dan

Moved to "How To Guides and Walkthroughs".

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Doh, sorry about that, i blame not enough coffee -_-

Whooo I'm relevant!
Developed the backend fabric for this.

@Waco, the phone thing is a security feature and if I'm not mistaken you'll only need to be able to receive a text. (it's been a while so double check still)

Just keep in mind when creating your virtual card, some vendors like Google/Amazon will do a $1 charge to the card when you add it as a pay option. They do reverse it but normally takes 1 to 2 days for this to happen.

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Originally Posted by AlphaJohn

Just keep in mind when creating your virtual card, some vendors like Google/Amazon will do a $1 charge to the card when you add it as a pay option. They do reverse it but normally takes 1 to 2 days for this to happen.

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Can confirm this, when i added my card on steam they first charged me $1 before i bought a $5 voucher

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Originally Posted by _Caboose_

buy online as you would using the details of the virtual credit card as you would a normal credit card :)

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Just keep in mind - no AVS on these cards, so there are some scenarios where a VCC won't work. Should be fine for most places though.

http://en.wikipedia.org/wiki/Address...ication_System

I went with entropay, but I'm sure vcpay is great too.

Also many places do accept your bank/debit card if it's tied to a credit card provider. For example, my bank card has a MasterCard logo on it and I can use it (as far as I can tell) everywhere where a credit card can be used. Works on online places like the Steam Store and humble bundle like a charm :)

Just use Capitec. I buy online all the time just using my Debit Card.

Don't know if other banks offer the same thing; but Capitec is superior any way.

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Originally Posted by Pooky

Just use Capitec. I buy online all the time just using my Debit Card.

Don't know if other banks offer the same thing; but Capitec is superior any way.

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Basically if your debit card has MasterCard, Visa, AmericanExpress or another credit company's logo on it, it should be accepted anywhere where those credit cards are accepted. I use my FNB debit card and it works just the same :)

Surely PayPal through FNB would be a viable option as well? I know that PayPal does link your card, but does it have to be a credit or cheque?

I use my debit card.

I don't have time for all those steps.

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Originally Posted by KofDelight

I use my debit card.

I don't have time for all those steps.

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Agreed. It's just as easy as using a credit card :)

Ichigo, have you seen this? You're always banging on about not owning a credit card and not being able to buy stuff online.

so you pay from ur account?

This is awesome, I have been looking for something like this for a while now.

Thank you

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Originally Posted by Mclyle_

Strange..I'm also with Capitec, have the Mastercard logo on but it doesnt work everywhere

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Hey dude, just check the time of the last post when replying to threads. We frown upon necro thread posts.

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Originally Posted by DieGrootHammer

Hey dude, just check the time of the last post when replying to threads. We frown upon necro thread posts.

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Apologies! only saw after i posted! I have removed it.

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Originally Posted by Mclyle_

Apologies! only saw after i posted! I have removed it.

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No problems. I see you are new here, and welcome to the forum.