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Best prepaid card Issuer for online purchases

Best prepaid card Issuer for online purchases

Old Jun 30, 22, 5:04 pm
  #1  
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Join Date: Jun 2022
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Best prepaid card Issuer for online purchases

Which prepaid cards / issuers are accepted the most for online purchases?

I've found some online merchants randomly don't accept my Bancorp Vanilla gift cards. Preferably non-reloadable cards because I don't want to provide my SSN.
memphus is offline  
Old Jul 1, 22, 11:06 am
  #2  
 
Join Date: Mar 2005
Programs: Continental Onepass, Hilton, Marriott, USAir and now UA
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Originally Posted by memphus View Post
Which prepaid cards / issuers are accepted the most for online purchases?

I've found some online merchants randomly don't accept my Bancorp Vanilla gift cards. Preferably non-reloadable cards because I don't want to provide my SSN.
Did you register your GC before you tried to use it on-line?
radonc1 is offline  
Old Jul 1, 22, 11:42 am
  #3  
 
Join Date: Dec 2012
Posts: 84
I mostly only have experience with Metabank but if you're willing to use Paypal I have a 100% success rate adding the card on Paypal and paying that way. There are definitely places that seemingly block the card otherwise. And now that you can split on Paypal, it's easy to drain the cards to $0.00.

The main problem using these cards for ordinary spend is that Metabank is either being negligent or malicious when it comes to returns. They will often refuse a return credit transaction and then lock the card. They'll then be happy to send you a new card with a new number when you call them, but the return money is wedged in to purgatory somewhere: you've got three parties pointing the finger at each other (Metabank, Paypal, and the merchant) and you look really sus trying to ask the merchant to "retry" the return on to a different card as Metabank tells you to do in such a case. I've got a handful of returns stuck in such a state and I don't know if I'm going to have to CFPB or small claims or what. So I'd avoid using these cards for spend where the chance you'll make a return is anything more than near-zero.
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Old Jul 1, 22, 12:48 pm
  #4  
 
Join Date: Mar 2009
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Originally Posted by SpongyBard View Post
I mostly only have experience with Metabank but if you're willing to use Paypal I have a 100% success rate adding the card on Paypal and paying that way. There are definitely places that seemingly block the card otherwise. And now that you can split on Paypal, it's easy to drain the cards to $0.00.

The main problem using these cards for ordinary spend is that Metabank is either being negligent or malicious when it comes to returns. They will often refuse a return credit transaction and then lock the card. They'll then be happy to send you a new card with a new number when you call them, but the return money is wedged in to purgatory somewhere: you've got three parties pointing the finger at each other (Metabank, Paypal, and the merchant) and you look really sus trying to ask the merchant to "retry" the return on to a different card as Metabank tells you to do in such a case. I've got a handful of returns stuck in such a state and I don't know if I'm going to have to CFPB or small claims or what. So I'd avoid using these cards for spend where the chance you'll make a return is anything more than near-zero.
Is there any reason you're using these cards for "regular" spending?
danpeake is offline  
Old Jul 1, 22, 1:27 pm
  #5  
 
Join Date: Dec 2012
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Originally Posted by danpeake View Post
Is there any reason you're using these cards for "regular" spending?
When the music stopped on my main liquidation method I was holding a huge stack. I figured no problem just spending them down over time (don't mind the float). And for the most part it was fine until getting burned by a couple large returns that went in to the ether.
SpongyBard is offline  
Old Jul 1, 22, 4:22 pm
  #6  
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Join Date: Jun 2022
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Originally Posted by radonc1 View Post
Did you register your GC before you tried to use it on-line?
Yes. I verified it works for the majority of merchants but at some merchants it always get declined.
memphus is offline  
Old Sep 23, 22, 1:50 am
  #7  
 
Join Date: Apr 2018
Posts: 50
Originally Posted by SpongyBard View Post
I mostly only have experience with Metabank but if you're willing to use Paypal I have a 100% success rate adding the card on Paypal and paying that way. There are definitely places that seemingly block the card otherwise. And now that you can split on Paypal, it's easy to drain the cards to $0.00.

The main problem using these cards for ordinary spend is that Metabank is either being negligent or malicious when it comes to returns. They will often refuse a return credit transaction and then lock the card. They'll then be happy to send you a new card with a new number when you call them, but the return money is wedged in to purgatory somewhere: you've got three parties pointing the finger at each other (Metabank, Paypal, and the merchant) and you look really sus trying to ask the merchant to "retry" the return on to a different card as Metabank tells you to do in such a case. I've got a handful of returns stuck in such a state and I don't know if I'm going to have to CFPB or small claims or what. So I'd avoid using these cards for spend where the chance you'll make a return is anything more than near-zero.
@SpongyBard
Have you tried using your Metabank gift cards on Paypal's bill pay system. I tried to pay a bill pay, with a Simon Mall visa giftcard, using Paypal's bill pay. It did not work.
PoEntre is offline  

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