Editing How to Avoid Using Credit Cards Online (section)

== Alternative Payment Methods ==

=== Digital Wallets ===

Digital wallets like PayPal, Apple Pay, and Google Pay offer a secure way to make online payments without directly sharing credit card information2<ref name="ref8">8</ref>. 

Key benefits:
- Encrypt and tokenize payment data
- Allow you to store multiple payment methods
- Often offer buyer protection policies
- Can be used across many websites and apps

=== Prepaid Cards ===

Prepaid cards can be loaded with a set amount and used like a credit card for online purchases6<ref name="ref7">7</ref>.

Advantages:
- Limit spending to preloaded amount
- No risk of debt or interest charges
- More anonymous than credit cards
- Can often be reloaded as needed

=== Virtual Credit Cards ===

Some banks and services offer virtual credit card numbers for online shopping9<ref name="ref13">13</ref>. These are temporary card numbers linked to your real account.

Benefits:
- Can set spending limits and expiration dates
- Protects your real card number if compromised
- Allows you to create unique numbers for different merchants

=== Bank Transfers / ACH Payments ===

Many online retailers accept direct bank transfers or ACH payments8<ref name="ref12">12</ref>.

Advantages:
- Pulls funds directly from your bank account
- No need to share card details
- Often has lower fees than credit cards

=== Buy Now, Pay Later Services ===

BNPL options like Affirm, Afterpay and Klarna allow you to split purchases into installments8<ref name="ref16">16</ref>.

Key features:
- Often interest-free if paid on time
- Can help with budgeting large purchases
- Doesn't require a credit card

=== Cryptocurrency ===

Some online retailers now accept cryptocurrency payments[5].

Potential benefits:
- Increased privacy and anonymity 
- No need to share financial details
- Potential for lower transaction fees