8 Websites that Accept Bank Account Payments to Shop [2023]

By Jim Marous 21 Min Read

The emergence of websites that accept bank account payments has increased significantly, providing a convenient option for customers to make purchases without using their cards. These platforms often offer several payment methods, including direct bank transfers and e-checks, enabling customers to transfer funds from their bank accounts to the merchant’s account easily. This not only streamlines the checkout process but also reduces the risk of credit card fraud, making it a safer alternative for customers.

Websites that accept bank account payments

Websites that accept bank account payments

Customers can now pay with their bank account numbers on most websites. Not all these sites of the best user experience, so we picked the best in no order for you. Below are the websites that accept bank account payments:

1. Amazon.com

Amazon is a popular e-commerce website that offers a variety of products and services to customers all around the world. One of the payment options available on Amazon is bank account payment.

Customers can link their bank account to their Amazon account and use it to make purchases on the platform. This option provides a convenient and secure way for customers to pay for their purchases without the need for a credit or debit card. 

To add your bank account as a payment method during the checkout process, you will typically be asked to provide your; 

  • Bank account information, including your routing and account numbers
  • Name as the account holder
  • Address, and your driver’s license number.

It’s important to note that the bank account must be a personal checking account at a branch, and not a savings account or any other type of account.

Once you have provided this information, Amazon will be able to process your payment using the bank account information you provided. This process may take a few days to complete, as Amazon will need to verify your bank account information and ensure that the payment has been processed correctly.

2. Vistaprint.com

At Vistaprint.com, you can rely on top-notch digital and physical marketing products. Business owners and website owners trust Vistaprint’s marketing tools for their quality.

Vistaprint accepts various payment methods, such as credit cards, bank transfers, and eChecks. To pay with your bank account, you will need to link your PayPal account to it since it is connected to your bank account.

To link your PayPal account to your bank account, simply follow these steps:

  • Log in to your PayPal account.
  • Click on the “Wallet” tab at the top of the page.
  • Select “Link a bank account” and choose your bank from the list of options.
  • Enter your bank account information, such as your account number and routing number.
  • By following PayPal’s provided verification instructions, confirm the bank account.

Once your bank account is linked to your PayPal account, you can easily make payments or receive payments through your linked bank account.

3. Microsoft Store

The Microsoft Store is also a popular and reputable online marketplace that provides customers with access to a wide range of products, including productivity software, computers, tablets, and gaming devices.

To cater to the diverse needs and preferences of its customers, the Microsoft Store offers multiple payment options, including the ability to make payments using a linked bank account. This means that customers can enjoy the convenience and security of paying for their purchases directly from their bank account, without the need for a credit or debit card.

Setting up your payment options is a simple process that can be completed in a few steps. To get started, simply;

  • Log in to your Microsoft account
  • Afterward, go to “Payment & Billing,” and select “Payment Options.”
  • From there, choose the “Bank account” payment option and enter your account details, including your name, account number, routing number, and address. For more information on payment methods, visit Microsoft’s support site.

4. Google Express

Google Express is an online shopping platform that offers customers a convenient way to purchase a variety of products from different retailers. The platform allows customers to link their bank account to their Google Express account and use it as a payment method for their purchases. 

This option also provides a secure and easy way for customers to pay for their orders without the need for a credit or debit card. 

Note: You can also make payments on Google Express using your Google Wallet account, which can be linked to your bank account. 

To link a bank account to the Google Wallet, you need to provide the following;

  • Enter the account holder’s name
  • The account number
  • And the routing number

For more information about Google Express and Google Wallet, you can refer to the Help Service Center page on the Google Wallet website.

  1. Bhphotovideo.com

Bhphotovideo.com, also known as B&H, is a leading provider of photography, music, and creative professional equipment and one of the websites that accept bank account payments. With over half a million items in stock daily, it’s a reliable resource for professionals seeking the latest gear. B&H offers various payment options, including bank account payment, eCheck, and PayPal. 

To make a bank account payment on bhphotovideo.com, simply follow these steps:

  • Log in to your B&H account or create a new one if you haven’t already.
  • Add the items you want to purchase to your cart.
  • Proceed to checkout and select “Bank Account” as your payment method.
  • Enter your bank account information, including the routing number and account number.
  • Confirm the payment amount and submit your payment.
  • Once your payment has been processed, you will receive a confirmation email with your order details.

If you have any issues or questions about making a bank account payment on bhphotovideo.com, you can contact their customer service team for assistance.

  1. Macy.com

Macy’s is a popular shopping destination for both online and in-store customers. While the store has a strong presence in the United States, its website is accessible to shoppers worldwide. Macy’s offers various payment options, including bank accounts and PayPal, which is particularly useful for those without a credit or debit card.

To use your bank account to make payments on Macy’s website, follow these steps:

  • Add items to your shopping bag.
  • When you’re ready to check out, click on the shopping bag icon at the top right of the screen.
  • Click on the “Secure Checkout” button.
  • On the payment page, select “Bank Account” as your payment method.
  • Enter your bank account information, including your account number and routing number.
  • Review your order details and click “Place Your Order”.

Once your payment is processed, Macy’s will process your order and deliver your purchases to you. It’s important to note that payment processing times can vary, so make sure to allow enough time for your payment to clear before your expected delivery date.

For those who intend to use PayPal for their purchase, simply follow these steps;

  • Click checkout and select PayPal from the drop-down menu.
  • Enter your PayPal login information when prompted, and you will be redirected to a PayPal payment page.
  • Once your payment is processed, Macy’s will promptly deliver your purchases.
  1. Overstock.com

Overstock.com is an e-commerce platform that offers a diverse range of products, such as furniture, home decor, jewelry, apparel, and electronics. Regarding payment options, Overstock.com provides several methods of payment, including credit cards, debit cards, PayPal, and Overstock store credit.

Furthermore, Overstock.com accepts bank account payments through Klarna, a payment service that allows customers to connect their bank accounts to complete purchases. Klarna offers the flexibility of paying in installments, enabling customers to split their transactions into four interest-free payments.

To use Klarna as a payment method on Overstock.com, customers can select the “Pay with Klarna” option during the checkout process. Then, they will need to sign up or log in to their Klarna account to link their bank account and finalize the transaction.

Payment options on Overstock.com can vary based on the customer’s location and the specific item they are purchasing. Therefore, always check the payment methods available during checkout to ensure that the preferred payment option is accepted.

  1. Nordstrom.com

Another popular destination for shoppers that accept bank account payments is otherwise known as Nordstrom.com. This specific website is known for offering great deals, seasonal sales, and new products. While customers can use a bank account to make purchases, Nordstrom uses eCheck as their preferred method of payment.

If you don’t have an eCheck, you can obtain an eCheck number from your issuing bank. Once you have the number, Nordstrom will prompt you to provide it when you check out. In most cases, your order will not be processed until your eCheck has cleared. Once your payment is approved, Nordstrom will begin delivering your order, and you’ll receive an email confirmation.

How to shop online and pay with a bank account

Supposing you’re planning to buy products from websites that accept bank account payments, there are a few things you need to know. Fortunately, I’ll walk you through the steps involved in transferring money from your bank account to a website.

1. Connect your bank account to PayPal

One way to complete the transaction is by linking your bank account to PayPal. This will enable you to pay for your purchase using the funds in your bank account.

2. Use a digital check

Another option is to use a digital check, which allows you to transfer funds directly from your bank account to the website. This can be done by providing your account and routing number.

3. Pay with a paper check

Let us assume the website doesn’t accept digital checks, you can also pay with a paper check. Simply mail the check to the company’s address provided on the website.

Most websites offer the option to pay using a bank account and routing numbers. If these options aren’t available, e-checks or paper checks are your only options.

To shop online and pay with your bank account, follow these steps:

  • Find a website that accepts payments through a checking account.
  • Add your favorite items to your shopping cart.
  • At the checkout, select the option to pay with an e-check or paper check.
  • Provide the necessary details of your bank account and any other information required by the website.
  • Click “Continue” to finalize the transaction.

By following these steps, you can easily shop online and pay with your bank account.

Factors to consider when using bank account to make payments on websites

When using a bank account to make payments on websites, it is important to consider several key factors to ensure that the transaction is secure and hassle-free. Here are some factors to keep in mind:

1. Security

Ensure that the website has proper security measures in place, such as encryption and SSL certificates, to protect your sensitive information. Also, make sure to keep your bank account details confidential and avoid sharing them with anyone.

2. Fees

Check if there are any fees associated with using your bank account for online payments. Some banks may charge a transaction fee, while others may not.

3. Availability

Make sure that the payment gateway the website uses is compatible with your bank account. In other words, not all payment gateways support all banks.

4. Time taken for processing

Find out how long it will take for the payment to be processed and for the funds to be debited from your bank account. This information will help you plan your payments and avoid late fees or penalties.

5. Customer support

Look for websites that offer excellent customer support in case of any issues or discrepancies in your transactions.

6. Payment limits

Be aware of any payment limits imposed by your bank or the website. Some banks may have a daily or monthly limit on the amount that can be transferred online.

7. Record-keeping

Keep a record of all your online transactions and monitor your bank account regularly for any unauthorized charges or suspicious activities.

By considering these factors, you can make informed decisions when using your bank account for online payments and ensure a secure and hassle-free experience.

Tips for safe and secure online shopping on websites

When shopping online, it is important to take steps to protect your payment information. Here are  tips to keep your bank account secure:

1. Use trusted websites

Ensure that the website you are using is secure and legitimate before making any purchase. You can do this by verifying if the website has a valid SSL (Secure Sockets Layer) certificate.

SSL is a security protocol that encrypts the information exchanged between your browser and the website’s server, making it difficult for third parties to intercept.

You can also check the website’s reputation by reading reviews from other customers or searching for the website on Google’s Safe Browsing list. If the website has been flagged as potentially harmful, it is best to avoid it altogether.

2. Avoid public WiFi

Public Wi-Fi networks are not secure, and cybercriminals can easily intercept your data when you use them. As such, it’s best to avoid using public Wi-Fi, especially when making online purchases or accessing sensitive information. 

If you must use public Wi-Fi, it’s crucial to take precautions to protect your privacy. One way to do this is by using a virtual private network (VPN) to encrypt your data and ensure that your online activity remains private.

3. Use strong passwords

Securing your bank/online account from potential cyberattacks is crucial, and using strong passwords is one of the most effective ways to do so. A strong password must be a minimum of eight characters long, and it should comprise a combination of upper and lower case letters, numbers, and symbols.Use a distinct password for each online or bank account, so that if one password is breached, your other accounts remain safe.

4. Enable two-factor authentication

In addition, you should enable two-factor authentication, which adds an extra layer of security to your bank accounts. Two-factor authentication necessitates providing two pieces of information to log in to your account, such as a password and a code sent to your phone or email, or a biometric scan and a password. 

By enabling two-factor authentication, you make it more difficult for hackers to access your information, and your accounts become more secure.

Exercise caution when dealing with emails and links, as phishing emails are a popular tactic used by cybercriminals to steal personal information. These emails may appear authentic, resembling legitimate correspondence from financial institutions, retailers, or other entities, but they typically contain links to counterfeit websites or attachments containing malicious software. 

Let’s say you receive an email that appears suspicious, do not click on any links or download any attachments. Instead, visit the website directly by typing the URL into your browser or using a bookmark.

6. Use a secure payment method

Choose a secure payment method when shopping online. Credit cards are generally considered the safest option because they offer fraud protection and are not directly linked to your bank account. 

If you must use a debit card, make sure it has a Visa or Mastercard logo since these offer similar fraud protection to credit cards. Use payment services like PayPal or Apple Pay, which provide an extra layer of security by not disclosing your payment details to the seller.

7. Check your statements regularly

Regularly monitor your credit card and bank statements to prevent unauthorized charges on your account. Supposing any suspicious charges appear, contact your bank or credit card issuer immediately to report the fraud and dispute the charges.

8. Update your software and security measures

You can also protect yourself from cyber threats by regularly updating your computer, phone, and other devices with the latest security updates and software. 

You can install anti-virus software and firewalls to safeguard against malware and viruses. Keep your operating system, web browser, and other applications up to date with the latest security patches and updates.

Read also: your checking account can book hotels


Websites that accept bank account payments provide a secure and convenient payment option for users by eliminating the need for credit cards and other methods. This method saves users from high transaction fees and interest rates but requires caution to ensure that the website is trustworthy and uses secure payment processing techniques. Overall, it offers an efficient and dependable payment solution for both individuals and businesses.

Read also: what Non-VBV cards really mean

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Jim Marous is a Top 5 Retail Banking Influencer, Global Speaker, Podcast Host and Co-Publisher at The Financial Brand. I am a co-author here at Finance and Pay, writing on a lot of topics regarding payments, banking software, cards, and investing.
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