How to use a debit card for online purchases
How to use a debit card for online purchases

How to use a debit card for online purchases and subscriptions?

3 minutes, 45 seconds Read

Debit cards have become an increasingly popular payment method in recent years due to their convenience. Unsurprisingly, they are being utilised for almost every transaction, big or small. With their ease of use and accessibility, even those unfamiliar with debit cards can confidently use them for their financial needs.

Don’t worry if you’re new to the world of debit cards, as they are simple to navigate once you understand the basics. By remembering a few essential tips, you can easily handle your personalised debit card without any hassle. So why not make your life easier and switch over to using debit cards?

What is a debit card?

A Debit card means atm card, it also means a convenient way to purchase goods and services without the need for cash. Typically, these cards are issued by banks to Savings Account holders and linked to their accounts, allowing them to make transactions quickly. Using your Debit Card lets you keep track of your expenses through your bank account statement, making it a helpful tool for budgeting and managing finances.

To ensure seamless use of Debit Cards, they are issued in partnership with leading companies such as Mastercard, Visa, and RuPay. Each card comes with a 16-digit number, split into two parts. The first seven digits identify the issuer company, while the remaining digits represent the bank that issued the card, account type, and more. Additionally, these cards feature an expiry date on the front and a 3-digit CVV number at the back for enhanced security measures.

How does it work?

Debit cards can be used to make payments almost anywhere. Whether at a restaurant, shopping online, or making purchases in a store, a debit card can make transactions quick and hassle-free.

To use your debit card, you only need to run the black magnetic strip on the back of the card through the card machine and sign for the transaction you’ve made. In cases where the outlet uses card readers, simply enter the amount, and input your unique 4-digit Personal Identification Number (PIN). The bank account linked to your debit card will process the request and complete the transaction. You can also use the ‘tap and pay’ option where you just need to tap your card on the machine, and there’s no need to swipe.

With the ease of use and convenience of debit cards, it’s no wonder they have become a go-to payment method for many individuals. So, why take advantage of the versatility of debit cards and enjoy hassle-free transactions anywhere and anytime?

How to use a debit card for an online purchase?

Using a debit card can be a quick and convenient option for online payments. Here is a step-by-step process to help you complete your payments online using debit cards:

Select “Pay Using Debit/Credit Card” at the payment checkout: Once you have reached the payment checkout page, select the option to pay using a debit card. You may be asked to specify whether it is a Visa or Mastercard.

Enter your Debit Card details: Type in the 16-digit Debit Card number on the front side of your card. You will also need to enter the expiration date of the card.

Enter the security code: You may be asked to enter a CCD, CVV, or similar security code. This is typically a three or four-digit code on the back of the card that helps to prove that you are authorized to use it.

Verify your transaction: After entering your debit card details, you will be asked to enter a unique transaction code or a One-Time Password (OTP) sent to the mobile number linked to your debit card. Once you enter the code, your transaction will be verified, and you will receive a notification.

Enter the correct billing address: To use your debit card online, you must ensure that you have entered the valid billing address linked to the used card. This is important to ensure that your payment is processed without any issues.

Following these simple steps, you can use your debit card to make payments securely and efficiently online.


As India continues to move towards demonetization and digitalization, now is the perfect time to consider getting a personalised debit card to make your transactions cashless. Applying for a debit card is a simple process, especially if you already have an account. Using a debit card, you can easily make purchases without needing cash or checks.

Also Read: Credit Card Terminology: Understanding Key Terms and Definitions

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