You want websites that accept bank account payments? This post will give you a comprehensive list of all websites that in different shopping categories to make online payments easy for you, using your bank account.

Bank account payments, also referred to as direct bank transfers, allow customers to make online payments directly from their bank account to a seller’s account. You don’t need a credit or debit card with this payment method. Also, this means a more secure and direct approach to making payments online.

Websites with bank account payment options have gained traction in e-commerce as a viable alternative to credit card and debit card payments. Customers prefer this method because of account security, lower transaction costs, and direct payment control that happens with bank account payments.

Can you shop online with a bank account?

Yes, you can shop online with a bank account by using direct bank transfers or third-party payment services like PayPal that allow you to link your bank account for online transactions. Many online marketplaces and e-commerce websites support bank account payments as a secure and convenient alternative to credit or debit cards.

Advantages of Bank Account Payments

Here are some advantages if you are looking for websites that accept bank account payments and wish to know if it’s a good idea.

Lower transaction fees

The major significant advantage of bank account payments is the reduction in transaction fees. Credit card purchases are expensive for merchants, which means you also cover part of those processing fees. But when it comes to bank account payments, it involves lower costs, due to absence of intermediaries.

Enhanced security measures.

Since no sensitive data is shared with any third party, bank account payments are considered more secure. Due to the non-sharing of data, there is no risk of credit card fraud and identity theft.

Direct payment control

Direct bank transfers grant consumers greater control over their payments, as they can review and authorize the transaction before it is processed.

Disadvantages of Bank Account Payments

With a lot of advantages come certain disadvantages. These are some of them.

Slower processing time

A notable disadvantage of bank account payments is the longer processing time. While card transactions are typically instantaneous, bank transfers can take several days.

Limited payment dispute option

Bank account payment users may find it more challenging to seek recourse in the event of a dispute than credit card users, who are usually protected against chargebacks.

Potential privacy concerns

Despite the fact that bank account payments are generally secure, users must still share their bank account details with merchants, which can put their privacy at risk.

The key players in bank account payments

The Automated Clearing House (ACH)

It allows consumers and businesses to make bank account payments via an electronic network that processes large volumes of credit and debit transactions.

The Single Euro Payments Area (SEPA)

SEPA simplifies bank account payments across the Eurozone, making them more efficient and cost-effective.

The FPS (Faster Payments Service)

The FPS is a UK-based payment system that facilitates real-time bank account transfers.

Marketplace Websites that accept bank account payments

These are some of the marketplace websites that accept bank account payments.


From electronics to fashion items to collectibles and antiques, eBay is a global online marketplace where individuals and businesses can buy and sell various products.

Sellers can list and sell their items in auction style or “Buy It Now.” PayPal, which eBay owns, is one of the many payment options available to buyers.


Etsy is a handmade, vintage, and unique e-commerce platform. It connects artisans and crafters with customers seeking unique products unavailable on mainstream marketplaces.

Through Etsy Payments, Etsy’s integrated payment processing system, Etsy sellers can accept a variety of payment methods, including bank account payments.


One of the largest online marketplaces in the world, Amazon offers a wide range of products across multiple categories. It offers customers a wide range of options by allowing third-party sellers to list their items alongside Amazon’s own inventory.


With Amazon Pay, customers can link their bank accounts to make seamless payments.

It is important to note that Amazon does not accept foreign accounts outside the United States, and payments can only be made using a bank account—not a savings or corporate account.

If you have saved your checking account information and provided proper identification, you can use your checking account to make purchases on Amazon. It is also possible to quickly modify this information if you decide to change banks and open a new account.

You can also use your checking account to pay for Amazon Fresh, their grocery delivery service.


Some of the items offered by Rakuten, an online marketplace based in Japan, are electronics, fashion items, and household goods. Rakuten offers multiple payment options, including bank account payments through Rakuten Pay.

It rewards customers with loyalty points for every purchase, which can be redeemed for discounts on future orders.


Bonanza is a growing online marketplace that offers unique and hard-to-find items across various categories such as clothing, collectibles, and home goods. Both buyers and sellers can use the platform easily, and there are low merchant fees.

Customers can use Bonanza’s integrated payment gateway to make secure transactions directly from their bank accounts.


Alibaba is a leading Chinese e-commerce platform facilitating business-to-business (B2B) transactions between manufacturers, wholesalers, and retailers worldwide. Alibaba offers various products, from industrial machinery to consumer goods.

Alipay is Alibaba’s secure payment platform, which supports various payment methods.


In a nutshell, Walmart is an American multinational retailer with many departments, such as Clothing, Shoes & Accessories, Books, Movies & TV Shows, Music & Vinyl, Video Games, Arts, Crafts, Sewing & Party Supplies, among others.

Walmart has made mobile shopping (or online shopping) very easy and convenient over the years for people, so if you like using your checking account numbers for payments, Walmart is one of the stores you will find to your taste.

That being said, Walmart is one online websites that accept bank account payments without issue.

You can shop for your favourite items on Walmart’s website and complete the checkout process.

  • Enter your routing and account numbers at the checkout by selecting “Pay with Cash.
  • Once you have confirmed your order, you are done.

Subscription Websites that Accept Bank Account Payments

Do you enjoy subscription-based services and looking for websites that accept bank account payments? Here are the popular ones to explore.


Netflix is a leading subscription-based streaming service that offers a vast library of movies, TV shows, documentaries, and original content. With a monthly subscription, users gain unlimited access to the platform’s content, which can be streamed on various devices, including smartphones, tablets, and smart TVs.

Various payment options are available from Netflix, including direct debits from bank accounts in some regions and PayPal payments.


Millions of songs, podcasts, and radio stations are available on Spotify, a popular music streaming platform. The service offers a free, ad-supported tier and a premium, ad-free subscription tier with additional features like offline listening and high-quality audio.

Spotify offers various payment options for seamless transactions, including direct bank transfers and third-party services like PayPal.

Amazon Prime

Amazon Prime is a subscription-based service offered by Amazon that offers a variety of benefits, including free two-day shipping on eligible items, access to Prime Video movies and TV shows, and ad-free music streaming.

In addition to discounts and deals, Amazon Prime members can also pay with their bank account through Amazon Pay.

Adobe Creative Cloud

Adobe Creative Cloud is a subscription service that grants users access to Adobe’s creative software suite, including Photoshop, Illustrator, and Premiere Pro. The platform offers different subscription plans depending on the needs of individual users, students, and businesses.

Adobe Creative Cloud has several payment options, including direct debits from banks and third-party services.

Microsoft 365

Microsoft 365 (formerly Office 365) is a subscription-based service that provides users with access to Microsoft’s suite of productivity tools, including Word, Excel, PowerPoint, and Outlook, as well as cloud storage and collaboration features.

There are multiple Microsoft 365 plans available for individuals, families, and businesses.

The platform accepts various payment methods, including direct debit from bank accounts or PayPal payments.


Headspace is a meditation and mindfulness app that offers guided meditation sessions, sleep aids, and mindfulness exercises to help users reduce stress and improve their mental health.

You can choose from a variety of subscription plans, including monthly and annual ones. The platform also supports multiple payment methods, including direct debit from your bank account or PayPal.

Utility Websites that Accept Bank Account Payments

Do you want to pay for utilities and look for websites that accept bank account payments? Here are a few for you.

Mint Bills (formerly Check)

Mint Bills is an app and online platform that helps users manage and pay their bills in one place. It consolidates all of a user’s bills, sends reminders to avoid late fees, and facilitates quick and easy payments.

The platform’s integrated payment processing system allows users to pay utility bills, credit card bills, and other recurring expenses directly from their bank accounts.


Prism is a comprehensive bill management and payment app that allows users to track and pay their bills in one convenient location. A variety of billers, including utility companies, credit card companies, and subscription services, are supported by the platform.

For managing monthly expenses, users can use Prism to make payments using a bank account, a debit card, or a credit card.


In Plastiq, users can use their credit or debit cards to pay virtually any bill, including utilities, rent, and mortgage. Those who wish to maximize credit card rewards or manage their cash flow more efficiently will find this platform especially helpful.

Although Plastiq charges a fee for processing payments, users can benefit from using their preferred method for all their bills as a result of the fee.


Paytm is a popular mobile wallet and payment platform in India which enables users to pay bills, recharge mobile phones, and make purchases at participating merchants.

In addition to supporting electricity, water, gas, and broadband providers, Paytm allows users to link their bank accounts and pay directly from them, providing a seamless and convenient experience.


Users can receive, view, and pay their bills online using MyCheckFree, a free online bill payment service.

The platform supports a variety of billers, including utility companies, credit card companies, and mortgage lenders. EFT (Electronic Fund Transfer) allows users to pay with their bank accounts, streamlining the payment process and reducing the need for physical checks.


Users can manage and pay their bills from a secure location with Doxo, an all-in-one bill payment platform. It supports thousands of billers from a range of categories, including utilities, credit cards, and insurance.

A convenient and efficient way to manage monthly expenses is available by linking their bank accounts to Doxo.

Can I pay for things with my bank account?

Yes, you can pay for things with your bank account using direct bank transfers or third-party payment services. To do so, follow these steps:

Choose a payment method:

Select a direct bank transfer option, such as ACH in the US, or use a third-party service like PayPal or Google Pay that supports bank account payments.

Link your bank account:

Provide the necessary information, including your bank’s routing and account numbers, to link your bank account to the chosen payment method.

Verify your account:

Confirm your bank account by following the verification process, which may involve small test transactions or providing additional information.

Make payments:

Once your bank account is verified, you can pay for goods and services online by selecting the linked bank account as your payment method during checkout.

Can PayPal pay with bank accounts?

PayPal can pay with bank accounts. You must link your PayPal with your bank debit card to do this. You will be asked to verify to make sure the card is yours. After verification, you will have the option to pay directly from your bank account.


This article has listed several websites that accept bank account payments. As a cost-effective and secure alternative to traditional payment methods, bank account payments have become increasingly popular among consumers and merchants alike.

Technological advancements, changing consumer behaviour, and potential regulatory changes are expected to drive bank account payments to gain traction as the digital landscape continues to evolve.


  • Mike Bush

    My name is Mike and I am a Cybersecurity Expert and Software Developer with over 10 years of experience. I discuss Business, Technology, Online Security, and exposing scams on the Internet. You are welcome to buy me a beer if you love my work.

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