How To Make Payment Online With Your Credit Card

cropped How to use your credit card to make payment online
cropped How to use your credit card to make payment online

There are reasons many people are scared of making payment online, but trust me there are ways to reduce these fears of making payments with your credit cards.

Have you ever heard people saying that they made payment online for stuffs (could be a book, a pair of shoe, etc) with their credit cards?

Yes, they actually did following about 5 simple steps. You can do that too.


You definitely need a bank account in order to possess a credit card. It could be a visa card; a master card etc.

After opening an account at your local bank and you have been issued a card attached to the bank account, most especially used for withdrawals, you are ready to also make online payments.

How to use credit card to make payment

What You Need to Make Payments Online

Either you’re using Master card or Visa Cards to make payment, you need the following to make a successful payment online.

  • The credit card number: This is written across the face of every card. Here we have 2354 3456 0952 4264. Every secure payment gateway that allows credit card payment will ask of your card number, so input your credit card number
  • Expiration: This is the month within which your card expires i.e can’t be used for withdrawals nor online payments. This is often denoted by “EXP” in some cards or “VALID THRU” in some others depending on the bank you use.

You will have to provide this information in the field provided on any of the payment gateways when you want to make an online payment.

In this case, it is 12/16 (i.e card expires December 2016).

  • Name: Your name as written on your card might be required for an online payment to be made.

It could be divided into first name and last name. So, in the field provided, type your first name and last name.

In this case, we have UJU AYO and ABUBAKAR respectively. One more information on your credit card is needed and that is;

CVV: Is a new authentication procedure established by credit card companies to further efforts towards reducing fraud for internet transactions.

It consists of requiring a card holder to enter the CVV number in at transaction time to verify that the card is on hand.

The CVV code is a security feature for “card not present” transactions (e.g., Internet transactions), and now appears on most credit and debit cards.

This new feature is a three- or four-digit code which provides a cryptographic check of the information embossed on the card.

Therefore, the CVV code is not part of the card number itself.

The CVV code helps ascertain that the customer placing the order actually possesses the credit/debit card and that the card account is legitimate.

Each credit card company has its own name for the CVV code, but it functions the same for all major card types. (VISA refers to the code as CVV2, MasterCard calls it CVC2, and American Express calls it CID.)

how to make payment with credit card

Optionally, your card PIN may be required i.e in most cases, the 4 digit known to you alone that you input at the ATM to make withdrawals and some other activities.

(Be careful to give out this particular information on secure websites).

When you input all the fields required at the payment gateway, you are ready to make an online payment. Go ahead, push the buy button and pay online!

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    • Hi ANthony, thanks for your comment. Please make sure that the account attached to your card has the necessary funds required to make payments. Also be certain that your card details are correct.

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