How to Use a Prepaid Credit Card Online

Use a prepaid credit card just like a normal credit card.
Use a prepaid credit card just like a normal credit card. (Image: credit card image by Christopher Hall from

A prepaid credit card is a good way to purchase things or pay bills online. If you don't want a credit card on your credit report—or if you aren't able to obtain a credit card—then a prepaid credit card can help you make purchases on websites that may not accept checks or money orders. Using a prepaid credit card is as simple as using a regular credit card and only requires you to input basic information.

Have your prepaid credit card readily available as you process your online transaction. You'll need the long number on the front of the card, the date it expires and the three-digit security code on the back.

Complete your transaction online. When the site asks you for your credit card information, select the brand of the credit card you're using. Some of the most common are Visa, MasterCard and Discover.

Put in your credit card number. This is the 16-digit number on the front of the card.

Type in your name and the expiration date of the card. The expiration date should be at the bottom of the front of the card.

Enter the three-digit security code on the back of the credit card. Once you've entered all your information, choose "Submit" or "Process" to make your payment.

Tips & Warnings

  • Do not hit "Submit," "Process" or "Okay" more than once. This may charge your card twice. Sometimes online retailers take a second to process your card number, which may seem like a lag in the system. Give the program several minutes. If you think it may have processed and not given you a confirmation, contact customer service to check.

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