You are planning to buy a television, and you are wondering how to pay using your Credit Card. Or are looking for solutions to simplify monthly bill payments, and want to know how to pay bills with a Credit Card.
Paying for anything with a Credit Card, online or offline, is simple.
How to pay with a Credit Card at an offline store?
To pay for your purchases at a retail outlet, be it a restaurant, a supermarket or a shopping mall, just present your card at the billing counter. The person at the counter will swipe or insert your card into a machine and ask you to enter your PIN (a secret code that only you know). Enter the digits of your PIN, and the transaction will be authorised. Sometimes, your transaction may be declined if you enter the wrong pin, haven’t paid your Credit Card dues, or have crossed your credit limit.
How to pay using a Credit Card online?
Most online sites will have a similar checkout or payment process, whether you are buying an airline ticket or a book. Once you complete your shopping and hit pay, you will be taken to a payment gateway. Enter your card number, name, the expiry date of the card, and the CVV number (the three-digit number on the back of your card). Sometimes, you may be asked for the billing address too.
When you submit this information, you will receive an OTP or one-time password on your registered mobile number or email address. Enter the OTP and submit to complete the transaction.
How to pay bills with a Credit Card?
You can pay all your bills using your HDFC Bank Credit Card conveniently.
- UsePayNowto pay a wide range of bills such as electricity, mobile, DTH, insurance premiums, rentals instantly and without any registration
- Register & Payis an easy way to organize, manage and pay your bills. Just register a biller once, you can then automate bill payments. You don’t have to remember due dates or write cheques or stand in queues.
- SmartPaytakes the hassle out of paying bills completely. Just leave standing instructions on your Credit Card and your bills will be automatically paid month after month
Paying with your Credit Card, is just one of the many ways you can use it. You can clickhereto read more on how to maximise the use of your Credit Card and make use of its benefits today.
Are you looking to apply for HDFC Bank Credit Card? Clickhereto know more!
* Terms & conditions apply. Credit Card approvals are at sole discretion of HDFC Bank Ltd
FAQs
Paying for anything with a Credit Card, online or offline, is simple. How to pay with a Credit Card at an offline store? To pay for your purchases at a retail outlet, be it a restaurant, a supermarket or a shopping mall, just present your card at the billing counter.
How do I accept credit card payments offline? ›
Accepting offline payments is quick and simple, just follow these four steps:
- Get a Payment System. In your point-of-sale system, enable offline mode, which is as simple as flicking a toggle. ...
- Swipe or Dip the Credit Card. ...
- Enter the Payment Amount. ...
- Complete the Transaction.
This is how it works. A cardholder makes a purchase when the merchant is offline. The personal account number and other data is encrypted and held in the payment processor until you are back online and the transaction can be processed. This can be risky, but let's look at the pros first.
How to pay with credit card without physical card? ›
Go to your desired merchant's website or app. Select the product or service you would like to purchase. On the payment gateway, input your virtual Credit Card number, validity date, CVV, and other required details. Enter the OTP sent to your Registered Mobile Number to authorise the transaction.
How to do offline digital payment? ›
You have to dial *99# on your phone from the registered mobile number; the same number should be linked to your bank account. By following the steps that will be shown on your screen, you can easily use UPI offline. Who launched offline UPI?
Can you pay with card without internet? ›
Yes, some NFC payments work without internet:
Some contactless cards: Some contactless debit and credit cards may also allow for offline transactions within a certain limit. This functionality is determined by the card issuer and merchant's payment system.
What is an example of an offline transaction in a credit card? ›
Offline card transaction is a type of transaction when the person uses a credit/debit card to transfer money. The transaction goes the trader's account from the checking via credit card processing network.
How do I pay offline? ›
Offline payment methods include cash payments, check payments, and bank transfers. It also includes postal orders, money order payments, wire transfer payments, or any other offline means. To be precise, offline payment processing is a payment done manually.
How do offline card payments work? ›
An offline debit card is not connected to an online system when used. Funds are therefore withdrawn from an account 24 to 72 hours later. An offline debit card does not require a PIN for use, only a signature, and can be compared to writing a check.
How do I activate my credit card offline? ›
You can visit the bank website or call the customer care of the bank to get more details. Can I activate credit card offline? Yes, you can always activate your credit card offline. This can be done by calling the bank's customer care or by visiting a branch of the bank.
Online Means: Using internet connectivity for immediate processing of transactions. Offline Means: Transactions that are processed without the need of real-time internet. This includes non-electronic methods like cash or checks, as well as electronic methods that don't require immediate internet access.
Do you need a PIN to use a credit card online? ›
In addition, online purchases with your credit card shouldn't require a PIN. They usually verify your card information against the billing address and Card Verification Value (CVV), the 3-digit or 4-digit code on the back of your credit card.
How can I pay without a physical card? ›
The most famous ones are PayPal, Apple Pay and Google Pay. The basic functionality of these payment apps tends to be similar. You load them with funds from your bank account and/or receive funds from other sources. You then use these funds to make purchases and/or transfer them to your bank account.
How can I get cash from my credit card without a physical card? ›
Don't worry; there are still ways to get cash from your credit card without it. First, when considering a cash advance, ensure you know the fees and your cash advance limit. From there, you can enter the branch associated with your account, use a digital payment service, or even write a check.
How can I use my credit card without a POS machine? ›
However, you can still accept in-person payments without a card machine if you wish. Some PSPs offer a payment processing app that you can install on your smartphone to take card payments. Users can input a customer's card details manually or scan a QR code to facilitate fast, secure payments in person.
How to use credit card for shopping offline? ›
Your card will be swiped or inserted into a point of sale (POS) machine by the storekeeper. To confirm the purchase, the retailer would usually require you to enter a personal identification number (PIN). It is essential to authenticate the transaction.
How do I pay money offline? ›
Open the dialer on your phone and enter the offline UPI number *99# to initiate the call to connect to the offline UPI payment service. Among the several options presented on the screen, select “1” for “Send Money”. This will allow you to initiate a payment transaction.
What is offline payment method? ›
Offline payments are made via cash, checks, bank transfers, postal orders, or any other offline means besides online payment methods such as cards, online wallets, etc.
