Can you use visa gift cards for online subscriptions

• Reloadable cards
• Gift cards
• Payroll and Healthcare cards
• Additional resources

Reloadable Visa Prepaid Cards

Make everyday spending more convenient and secure

The all-purpose Visa Prepaid card is a reloadable card you can use in-person and online to:

• Pay bills
• Add funds
• Make purchases anywhere Visa Debit cards are accepted

Plus, you don’t have to worry about overdraft fees, since your spending cannot exceed the available balance on your card. It’s easy to get a Visa Prepaid card and there’s no credit check required.

Choose a card to fit your needs

Visa Gift Cards

Give the smart gift anyone can appreciate

Simple. Convenient. Perfect for everyone on your list.

Visa Payroll and Healthcare cards

Your employer may offer you a payroll or healthcare prepaid card so you can manage your payday funds more easily — and enjoy many of the advantages of Visa.

Visa Payroll Card

Get your paycheck instantly loaded to a payroll card and enjoy a fast, convenient way to make purchases, pay bills and manage your money.

Learn more about Visa Payroll Card

Additional Resources

Government Payment Cards

A quick and easy way to get your government benefit funds. See the advantages of accessing your funds with Government Payment Cards.

Find out more

There are two types of prepaid payment cards that can potentially be used to pay bills: prepaid debit cards and network-branded gift cards (like those that carry the Visa or Mastercard logo). Prepaid debit cards come in a few different forms and offer the opportunity for a convenient money storage account that can take the place of complex checking. Gift cards that carry the Visa or Mastercard logo are typically sold in different denominations and can be used for online shopping or bill payment if sufficient balances are available.

Before diving into bill payments, it can be good to understand the two types of prepaid payment card options a little better. Prepaid debit cards can work like network-branded gift cards and any electronic payment card that is loaded with funds considered deposit assets rather than credit liabilities. As the market for prepaid debit expands, more and more, consumers are gaining access to a simplified electronic money storage solutions that can take the place of traditional bank checking.

Key Takeaways

• Prepaid debit cards and network-branded gift cards can be used for bill payment
• Prepaid card acceptance typically depends on the card processor brand.
• Some prepaid card accounts may have special services for making one-time or recurring bill payments through an account.

Can You Pay Bills With a Prepaid Debit Card?

Yes, bill payments can be made with a prepaid debit card if there are sufficient funds loaded to the card. An important thing to take note of when seeking to make any bill payment with a prepaid card of any kind is the card’s processor. All prepaid debit cards partner with one of the four major payment card processors: Visa, MasterCard, Discover, or American Express. Generally, the card processor will dictate whether or not an electronic payment card is accepted by a company for a bill payment. Store gift cards typically can't be used for bill payment unless with that specific retailer.

Beyond that, most prepaid cards will work in the same manner that any regular payment card will. If the card’s processor is accepted, payments may be made on a website, on the telephone with representatives, or by filling out a form included with a paper bill in the mail and returning it through the postal service. Transactional fees are usually not necessary although some companies may charge for payments over the phone or express payments.

Accessing and Using a Prepaid Debit Card

Many prepaid debit cards can be bought in a retail store like Walmart, Target, or Walgreens. The process for buying them is similar to a gift card. The deposit amount may be specified or flexible based on the amount a buyer is seeking. Other prepaid debit cards may be easily obtained online.

All types of prepaid debit cards will come with an online account that can be easily accessed for account viewing and maintenance. When you first obtain the card, you will need to register, activate it, and peruse your online account options if you so choose. Online, you will have the chance to view account balances, holds, transaction history, and registration information. Depending on the card's options, you may also be able to make card-to-card transfers as well as set up some one-time or automated recurring payments.

One of the benefits of a prepaid credit card is that it offers some consumer protection in the event the card is lost or stolen since it isn’t tied to a personal checking account. Cardholders can simply call customer service if there is a problem. Oftentimes, prepaid debit cardholders can also add money to the card via a website or retail store chain which can be simpler than making deposits at a bank.

Special Card Features

All prepaid cards come with their own terms and special provisions as decided on by the card issuer. Some prepaid card providers may offer special opportunities to make bill payments from a cardholder’s account through the issuer’s website. Cards can also come with some special features that make it more convenient to transfer funds.

The Western Union NetSpend Prepaid MasterCard, for example, maintains a site on which cardholders can easily make bill payments. Some additional fees may be required.

Many prepaid cards offered by MasterCard and Visa allow for card-to-card transfers for cards of the same network brand. For example, a MyVanilla Prepaid Visa Card allows cardholders to transfer funds to other MyVanilla Prepaid Visa Cards, and for no fee. Most prepaid cards do not allow transfers between cards of different brands, however, or between prepaid cards and regular credit cards, even if they are from the same network.

Cards such as the Western Union NetSpend Prepaid MasterCard allow users to send and receive Western Union money transfers using their cards. There is generally no fee for receiving Western Union money transfers. There are, however, varying fees for sending Western Union money transfers.

Can Visa gift cards be used for recurring payments?

How do I make online purchases with a Visa gift card?