Shopping online has become increasingly popular. Over 75% of people are shopping at least once a month, online cited by BigCommerce. However, it can be difficult to find online stores that accept routing and account numbers for payments that are secure. You want to make sure your financial information is safe when you shop online, and the traditional credit card or debit card options may not always provide the security you need.
What online stores accept routing and account number for payment then?
Fortunately, there are now more and more affordable online stores that accept payments via routing and account numbers. This payment method will allow you to use your checking account and is convenient and secure, making it a great option for customers who want peace of mind when shopping online. In this article, we will explore the different stores that accept routing and account number payments so you can shop with ease.
What is Online Shopping?
The online shopping revolution has had a massive impact on the consumer retail industry. In 2021, an estimated 2.14 billion people worldwide purchased goods online (Statista, 2017). This number is projected to increase to almost 285 million shoppers in 2025.
This surge in digital spending has been driven by convenient delivery options and the ever-growing range of products available for purchase. With the introduction of mobile payment systems and popular marketplaces such as Amazon and eBay, people can now access items from any corner of the world without leaving their homes. Furthermore, shopping addictions have been made easier with online stores selling products at discounted prices. However, there are ways to stop a shopping addiction online.
The online shopping revolution has also been beneficial for retailers who can use advanced analytics tools to better understand customer behavior and tailor their product offerings accordingly. As more customers shift towards digital purchasing habits, retailers must adapt by introducing new technologies that make online transactions smoother, faster, and more secure.
Benefits of Online Shopping
There are so many advantages of online shopping that it’s no wonder why the online retail industry is booming. Some of these benefits include:
Convenient Shopping Experience
The convenience and ease of use of online shopping make it a preferred method for many customers. All you have to do is link your checking account to reap the rewards. With mobile payment systems, customers can make purchases from any corner of the world without leaving their homes. Additionally, innovations like AI-driven product recommendations have made it easier for customers to find what they need quickly and easily.
Greater Variety of Products
Online stores offer a wider selection of products compared to traditional brick-and-mortar stores, which are typically limited by physical space constraints. Customers can access items from any country or continent, which gives them more freedom when selecting the items they want.
Low Prices & Discounts
Because online shops do not require costly overhead expenses associated with running a physical store, such as rent and utilities, they are able to pass those savings onto their customers in the form of lower prices and discounts. Many online stores also offer free shipping on orders over a certain amount which can save consumers even more money.
Can You Buy Stuff Online With a Routing and an Account Number?
Yes, you can purchase items with a routing and account number. Purchasing items online with a routing and account number is similar to using an eCheck in several ways. Both methods involve transferring funds from the buyer’s bank account directly to the seller, eliminating additional steps such as providing your credit card information. Additionally, both payment methods offer more secure transactions than traditional methods due to their direct connection to the buyer’s bank account.
The primary difference between these two forms of payment lies in how they are processed by the banks. An eCheck typically takes longer to process due to its manual nature, while a routing and account number transaction is usually instant once approved. Furthermore, some online shopping stores that accept pay with eChecks may not accept routing and account numbers. As an alternative, they may accept Venmo, CashApp, and PayPal.
How Can I Find My Routing and Account Number?
Your routing number and account number can be found on your bank’s website. You will typically need to log into your account to access this information, as it is not publicly available.
Sometimes you will have to search your account details section to find this information and for a good reason. It’s easy for someone to use your routing and account number to transfer funds out of your bank account, so it’s important to keep this information secure.
Once you have located these numbers, you should double-check them with the bank before using them for online payments. If they do not match the data provided by your financial institution, then the payment may be declined or rejected.
Easy Steps to Pay Online Stores Using Your Bank Routing and Account Information
In order to pay online stores using your bank routing and account number information, you will need to follow these steps:
- Find the website or online store where you wish to make purchases and check if they accept this form of payment.
- Link your bank account to the website by providing them with your routing and account numbers.
- Make sure that all billing information is accurate before submitting payment.
- Choose the items you wish to purchase and submit payment using your routing and account numbers.
- Once payment has been approved, the money will be transferred directly from your bank account to the seller’s account.
Top Online Stores that Accept Routing & Account Numbers
These Online stores below will accept your payment using a combination of three different methods.
Methods for Online Store Payments:
- Paying directly with routing and account numbers
- Using eChecks
- Paying with Venmo, CashApp, or PayPal
Here is a list of the top online stores that accept routing and account number payments:
1. Amazon
When making a purchase at Amazon, customers can select “Pay using bank routing and account numbers” as their payment option. They will then have to provide the website with their routing and account numbers to complete the payment. Popular items bought from Amazon include electronics, groceries, home decor, books, and clothing.
2. Walmart
Payment via bank routing and account numbers is also available on Walmart’s website. Customers simply need to select this option from the checkout page and enter their details in order to complete payment. Some of the most popular products bought at Walmart include apparel, furniture, toys, and household goods.
3. Etsy
Easy payment options are available on Etsy with bank routing and account numbers. Customers should select this option when checking out in order to provide the website with their banking information. Etsy sells a wide variety of handmade products, such as jewelry, art prints, and vintage clothing items.
4. Best Buy
To pay for items at Best Buy with your bank routing and account number, first, select this option during the checkout process and enter your details into the provided fields. Best Buy is ideal for cell phone financing should you choose not to pay via bank routing and account numbers. They also offer home appliances, gaming consoles, and more. Common purchases at Best Buy are TVs, gaming consoles, computers, and other electronic devices.
5. Target
At Target, you can pay using your bank routing and account number after selecting it as the payment method at checkout time. Enter your banking information when prompted in order to complete your purchase. Popular products purchased from Target include home furnishings, beauty products, kitchen appliances, and toys.
6. Rue La La
Customers can use bank routing and account numbers to pay for their orders at Rue La La. Simply choose this store payment option when checking out and provide the website with your banking details in order to complete the purchase. Popular items bought at Rue La La include designer clothing, shoes, and accessories.
7. Macy’s
At Macy’s, customers can use their bank routing and account number as payment after selecting this option from the checkout page. Enter your banking information in order to continue with the payment process. Popular products purchased from Macy’s are apparel, beauty products, home decor, and furniture.
8. eBay
When making a purchase on eBay, you can select “Pay using Bank Routing & Account Numbers” during checkout time to complete your purchase using your banking details. Popular items from eBay include electronics, collectibles, books, and fashion items.
9. Overstock
Payment via bank routing and account numbers is also accepted at Overstock when checking out of the website. It’s actually quite easy to send money with a checking account number on Overstock. Simply select this payment method at checkout time and provide Overstock with your banking information in order to proceed with payment completion. Popular products purchased through Overstock are furniture, bedding, rugs, and jewelry items.
10. Sephora
To pay for items at Sephora online through bank routing numbers, simply select this payment method during checkout time and provide Sephora with your banking information when prompted. Established makeup brands featured on Sephora include Urban Decay, Tarte, and Anastasia Beverly Hills, among many other popular choices available on the website.
11. Zappos
When making a purchase at Zappos, customers can select “Pay using bank routing and account numbers” as their payment option during checkout time. They will then have to provide the website with their routing and account numbers in order to transfer money from their bank account to complete the payment. Popular items bought from Zappos include shoes, clothing, and accessories.
12. SHOPBOP
Payment via bank routing and account numbers is also available on SHOPBOP’s website. Customers simply need to select this option from the checkout page and enter their details in order to complete payment. Some of the most popular products bought on SHOPBOP include designer apparel, handbags, and sunglasses.
13. Kmart
Payment via bank routing and account numbers is accepted at Kmart as well when checking out of the website. Select this payment method when prompted in order to provide Kmart with your banking information for payment completion. Common purchases at Kmart are apparel, furniture, toys, home decor items, and household goods, among many other selections available from the store.
14. JCPenney
To pay for items at JCPenney with your bank routing and account number, first, select this option during the checkout process and enter your details into the provided fields when prompted for them by the website. Popular products purchased from JCPenney are apparel, bedding sets, curtains, and kitchen appliances, among numerous other finds available in-store or online through their website.
15. Old Navy
At Old Navy, shoppers can pay with their bank routing number after selecting it first as the payment method while checking out of the shop’s website or app. Popular items bought from Old Navy include apparel, accessories, and footwear. They’ve got great deals on footwear. I’ve bought fashionable shoes there for $10 before.
These online stores make it easy and secure for customers to purchase their favorite items with bank routing number payments. Shop with ease, knowing that your financial information is safe when using this payment method at any of these popular e-commerce sites. Get the best products available online while enjoying.
Other Ways to Pay Conveniently for Online Purchases
Besides bank routing and account numbers, there are other alternative payment methods available at different online stores. Common alternatives include PayPal, Visa Checkout, Google Pay, and Apple Pay, which can be used both in-store and online.
There are several ways to pay for online purchases at stores.
1. Credit/Debit Card
Most stores accept payments made with credit or debit cards. This is a secure and convenient way of paying for your online purchases, as all you need to do is enter the details of your card, and the payment will be processed almost immediately. If you have a debit card error code, you can fix a declined debit card payment with help from your bank.
2. Digital Wallets
Digital wallets such as Apple Pay and Google Pay offer a secure way to pay for online purchases using your phone or another device. This method is fast, easy, and convenient as all you need to do is enter your credentials once, after which all subsequent payments on different websites can be made.
3. PayPal
PayPal is an online payment service that allows customers to pay without entering bank or card details each time they purchase something. You can connect your PayPal account to your bank account, credit or debit card, and use it to pay for goods and services with just a few clicks. You can even send money anonymously on PayPal if you choose.
4. Online Banking
Many banks now offer the option of making payments directly from their online banking platforms. This method is convenient and secures as it eliminates the need to manually enter bank details when making payments at certain stores.
5. Mobile Payments
Mobile wallets such as Apple Pay, Google Pay, and Venmo allow customers to make secure payments in-app or through NFC-enabled terminals at physical stores using their smartphones. All you need to do is register your device and link it with your preferred payment method, then use it to make contactless payments securely without having to enter any sensitive information each time you purchase something online or offline.
Is It Safe to Shop Online and Pay With Your Checking Account and Routing Number?
It is typically safe to shop online and pay with your checking account and routing number. When making online purchases, be sure to use a secure website, as this will help protect your information from being hacked or stolen. Additionally, most banks have security protocols in place to protect customers’ personal data when making payments. Also, make sure that you are using a reputable store before entering your banking information for payment.
How Banks Secure Customers’ Data When Making Payments
Banks take a variety of measures to ensure that customer’s personal data is protected when making online payments.
Encryption Technology
Banks employ encryption technology to keep customer data secure during transmission, so no one can ‘listen in’ or access the information.
Detection Protocols
Financial institutions have protocols in place to detect suspicious activity associated with customer accounts. If any unusual or unrecognized behavior is detected, it is flagged for further investigation.
Two-Factor Authentication
Many banks require two-factor authentication when logging into online accounts, which helps prevent unauthorized access by verifying the identity of the user.
Customizable Account Alerts and Notifications
Some banks allow customers to set up account alerts and notifications that can alert them if any suspicious activity is detected on their accounts. This allows customers to monitor their accounts and be alerted quickly of possible fraudulent activity.
Frequently Asked Questions About Shopping Online and Paying With Checking Account
What information do I need to provide when making an online purchase with my checking account?
You will need to provide your checking account number, routing number, billing address, phone number, and other payment verification information, depending on the website.
Is it safe to use a debit card for online purchases?
When used at a secure and verified website, using a debit card is generally considered safe for online purchases. Be sure to read the website’s security policies before entering your financial information into their system.
Are there any other ways I can securely pay for online purchases?
Yes! In addition to paying with your checking account or debit/credit cards, you can use alternative payment methods such as digital wallets or prepaid cards.
What should I do if I suspect fraud?
If you have any suspicion of fraud or unauthorized activity related to your online purchase, immediately contact your financial institution and the retailer in question.
Are there any additional fees for using my checking account for payment?
Some retailers may charge a convenience fee when paying with your checking account. Be sure to review all fees associated with the transaction before proceeding with payment.
Do I need to create an account on the website to make a purchase?
Some retailers may charge a convenience fee when paying with your checking account. Be sure to review all fees associated with the transaction before proceeding with payment.
Is there a limit to how much money can be sent through my checking account?
Yes, depending on the terms of service and the type of personal bank account you have, there may be limits on how much money can be sent at once from your checking account. These limits are typically imposed by the financial institution that maintains your checking account.
Can I cancel an online purchase after submitting my payment?
In most cases, it is possible to cancel an online purchase after submission, depending on the retailer’s return policies and whether or not their system has processed the transaction yet. It is best practice to contact both the retailer and your financial institution as soon as possible if you wish to cancel a purchase so they can take action quickly if needed.
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