12/01/2016

How to Use ATM Card (Debit Cards) to Pay Online & in Apps

Recently much of the Indian population has resorted to e-wallets and cashless transactions due to the demonetisation of Rs. 500 and Rs. 1000 notes, which is actually a great thing, now most of your transactions are easy with online banking but online banking is not something every account holder or even most of them has, so our most convenient option is ATM / Debit Card.  


Most of the bank account holders possesses a Debit card which is more commonly known as ATM card in India. The most common use of it by people in India is to withdraw money from ATM machines but many are unaware or might have never used it for a cashless transaction using MPOS machine or an online transaction.

Using it through an MPOS machine is no different than using it in an ATM, swipe the card, enter the PIN, the rest is done by the shop owner or the merchant to get the payment successfully. 

How to use Debit / ATM Card for Online Trasactions

The first step towards using it is to make sure that your ATM card can actually be used for online transactions, however all major banks' ATM cards can be used as Debit card but still let's be sure, to check it, take your ATM card and look for the logo of a Debit card service company. Visa and Maestro are major ones so we will cover those. Here's what the logo of both services looks like

maestro debit
 









A look at the front side of your Debit Card might be similar to this. 


We have a UCO Bank Visa Debit card here. The 16 digit number, the "Valid Thru" number which is actually the month and the year your debit card is valid upto and the logo of the Debit card service, in our case it is Visa. 

Things to note down from the front.

1. The 16 digit debit card number. xxxx xxxx xxxx xxxx
2. The valid thru month and year, this is always required, so you should remember it. 05/19 here is the fifth month i.e May and the year 2019. 

The following is the back of your Debit card which has the black magnetic stripe. 



At the back you will find the 3 digit CVV or CVC, this is always needed to safely proceed with transaction, it is always wise to not publicly disclose it to others, this adds an extra layer of security. 

From the back of the card, we have:
1. CVV/ CVC 3 digit number - XXX

Let's make a transaction

If you have shopped online before or have done recharge from for example say Freecharge, you may have noticed it gives you a lot of options for payment, Internet Banking, E-Wallet, Credit / Debit card. Internet banking is used by many, and most of them use it, but it is more time consuming, you have to go through entering passwords and username, adding OTP and in some cases transaction passwords, with Debit cards you can save your card details and use it in a flash. 

To make a safe and inexpensive transaction, let's use the FreeCharge app, it is a great app for mobile recharges, DTH, electricity bill and more. 


  1. Download FreeCharge app from here and install it. Freecharge on Playstore | Freecharge on App Store | Freecharge on Windows Phone Store
  2. Sign-up, use your phone number and email address to complete the sign-up process.


  3. Now proceed to do a recharge of your mobile phone, DTH, or pay postpaid by. Choose the option from "New Payment" section.

  4. Enter your phone number / DTH number, or customer ID depending on what kind of payment you are making. And proceed to the next screen, which will ask you to select an amount.
  5. After you select an amount you are presented with the options to pay and enter Promo code (we have a promo code for new users, so you get Rs. 50 back on your first transaction!)
  6. This is the screen you will get, it is pretty straightforward but still for your convenience here's a visual representation of what you will see and what do you need to fill in.



    1. Choose "Debit/Credit"
    2. Optional. For Rs. 50 cashback on transaction of over Rs. 150, enter the code R8R1DQN in the "Promo Code" field. Note that only the first recharge is eligible. So make sure you make a transaction of over Rs. 150 for cashback.
    3. Enter your card details. The sixteen digit debit card number, valid thru date and finally the CVV.
  7. Once you have entered all the details correctly proceed to pay the amount. Now depending on your bank, it will take you to a payment page. There you have to enter the details it will ask. In most cases you will receive an OTP on your registered phone number that you have to enter in the payments page for the payment to be made by the bank from your account.
  8. The previous part is different based on the debit card service and the bank, but it is easy, all you need is the details of your bank account. This is mostly one time, but, payments through debit card online will generally need OTP from your phone i.e whenever you are making a payment, the bank will send you a code that you have to enter to make sure it is you making the payment. 
In Freecharge app you can save the card details so you don't have to enter it each time you are making a payment. 

Where else I can use Debit Card to pay online

The best thing is that all major apps and online services accepts it, as it is the most standard way of paying online other than Internet banking. 

You can use it on Uber, PayTM, Amazon.in, Flipkart, Snapdeal, just about any website or app where you can make payments! 


Deepak Kamat Blogger Guwahati
POSTED BY

He is a web designer and deveveloper by profession but loves to write about his city and interesting acitvities going on in it.

Writes small stories from small places in Guwahati and tries to help develop it with his blog.

3 comments:

  1. Hello everyone i want to share my testimony on how i got my BLANK ATM card
    which have change my life today. i was once living on the street where by
    things were so hard for me, even to pay off my bills was very difficult for
    me i have to park off my apartment and start sleeping on the street of
    Vegas. i tried all i could do to secure a job but all went in vain because
    i was from the black side of America. so i decided to browse through on myHello
    phone for jobs online where i got an advert on Hackers advertising a Blank
    ATM card which can be used to hack any ATM Machine all over the world, i
    never thought this could be real because most advert on the internet are
    based on fraud, so i decided to give this a try and look where it will lead
    me to if it can change my life for good. i contacted this hackers and they
    told me they are from Australia and also they have branch all over the
    world in which they use in developing there ATM CARDS, this is real and not
    a scam it have help me out. to cut the story short this men who were geeks
    and also experts at ATM repairs, programming and execution who taught me
    various tips and tricks about breaking into an ATM Machine with a Blank ATM
    card.i applied for the Blank ATM card and it was delivered to me within 3
    days and i did as i was told to and today my life have change from a street
    walker to my house, there is no ATM MACHINES this BLANK ATM CARD CANNOT
    penetrate into it because it have been programmed with various tools and
    software before it will be send to you. my life have really change and i
    want to share this to the world, i know this is illegal but also a smart
    way of living Big because the government cannot help us so we have to help
    our self. if you also want this BLANK ATM CARD i want you to contact the
    Hackers email on and you life will never remain
    the same, email harrytechworld@gmail.comor you can also whatsapp us
    +2348074609849

    ReplyDelete
  2. I got my already programmed blank ATM card to withdraw the maximum of
    $50,000 daily for a maximum of 20 days. I am so happy about this
    because i got mine last week and I have used it to get $100,000. Mr
    rick is giving out the card just to help the poor and needy though it
    is illegal but it is something nice and she is not like other scam
    pretending to have the blank ATM cards. And no one gets caught when
    using the card. get yours from her. Just send her an email On rickatmcardoffer@gmail.com or add him up on whatsapp_+16106343682

    ReplyDelete