Make Payment Online Using Credit/Debit Card

This post will teach you how to make payment Online using Credit/Debit card and all what you need to know before you can make payment online using your Credit/Debit card.

If you have being online for a while now, you will observed that it is possible to buy any product online or make shopping online, and  advertise your products online, but it’s quit unfortunate that most Nigerian cannot make payment online using Credit/Debit card if they can’t afford to get  a PayPal account. Nigeria Been a back listed country by PayPal, making payment with PayPal is indeed a problem for most Nigeria Online marketers/Entrepreneur who can afford to look for alternative means that can be used to have PayPal without PayPal limiting their account, nonetheless, if they are not smart enough they will not be able to verify their account. However, this post will tell you everything you need to know about making payment online using credit/card card.

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Most Nigeria banks offer VISA or MASTERCARD; bank like firstbank offers me that but I can tell you I have not been able to use it to shop online without this procedure. They offered me Naira master card when I requested for one but the hidden secret behind the card is the first six digits number of the credit card specify your country, the bank that issues the card and the card name (Visa or Master card when search the bank Binbase).

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The single reason why most online company credit/debit card processors rejects Nigeria MasterCard or VisaCard does not go beyond the fact that their server will keep eye on your country and decide whether to accept or reject it depending on the command.

How to Make Payment Online Using Credit/Debit Card

Now that you know the reason why you are unable to make payment online using credit/debit card, then you should know the way out and how it can be done easily.

Step1: Assuming you want to shop online from any website (Trusted website), go to the website and fill the details and then click on the buy button.

    Step2: You have done your part and now, the online company processor will transfer your details in a secure package and kindly transfer it to VISA or MasterCard server.

Step3: Your bank database will verify your credit/debit card details if you still have the requested amount in your account, and once it confirmed that, your bank will then transfer the information back to Visa or Master Card for processing.

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Step4: The online shopping will as well verify your information when they got a feedback from your bank, and decide whether to accept the payment method or reject it, however, this doesn’t take so long (Within some seconds, all the above process will be completed.).

The entire steps above are what is required from online shopping store to allow you to make payment online using credit/debit card if it’s honourably allowed.

Therefore, the first thing that you need to keep in mind before making payment online is to know that the online processor know the exact country your credit/debit card is coming from. Not all Online store that do not allow Nigerians to make payment online using credit/debit card but those that does not allow Nigeria to make payment using their credit/debit cards only tightened their website processor to reject Nigeria IPs or online payment method that comes from Nigeria.

TAKE NOTE: Any online store that has IP different from your country will not list your country under the allowed country.

Make Payments Online Using Credit/Debit Card

The above steps only worked when your bank IP is based in a country like USA but for Nigeria IPs, this won’t work for you.

Step1: Use the same IP address with the company you are dealing with. For instance, if you are to use Nigeria billing Address, the you must use Nigeria IP mostly the one from local network like MTN, GLO, AIRTEL, ETISALAT etc.

Step2:  For non-Nigeria, use VPN from website like WorldVPN.net with the same billing address.

My Verdict: There is no need to hire someone to make your online payment on your behalf since you too can do it yourself without any hindrance. To some extent, to make payment online using credit/debit card is inevitable so wise up and make use of your potential knowledge. 

Accepting Debit Card Payments as a means of payment online with this method is as easy as anything you could think about. 

I strongly believe that with this post, you should be able make payment Online using Credit/Debit yourself.