Buying items online without a credit or debit card is increasingly common through digital wallets, prepaid options, and even cash-based systems. While most online transactions typically require a bank-linked card, you can bypass this by using services that convert physical cash into digital currency or by using direct bank-to-merchant transfers.

: While often linked to cards, these wallets can also hold balances (like Apple Cash) that can be used for online purchases. 2. Using Cash for Online Purchases

: This service allows you to pay select merchants directly from your Cash App balance. You simply select it at checkout and authorize the payment via a QR code or app redirect.

: You can link a bank account directly to PayPal via ACH (Electronic Funds Transfer) to pay merchants without ever entering card details.

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