"But I don't have a credit card!"

by ShayB 34 replies
This is one of those "just in case you don't know" items.

I sent an offer to a select group on my list in order to test an ecourse I am running....the first 10 to purchase (at a reduced cost, of course) became my guinea pigs.

One objection I got was, "This sounds awesome, but I don't have a credit card."

Guess what? I have the solution.

You can purchase (in the US, anyway) a prepaid Mastercard or Visa many places - Wal-Mart, WalGreen, gas stations, etc. You can even purchase the Visa gift cards in $50 and $100 amounts at Wal-Mart, grocery stores, etc.

They all work like any other Visa or Mastercard debit card, and they are the perfect solution for those who don't have a credit card. You can use them to fund a PayPal account, as well.

Now, how does this help you?

Telling this to my list members resulted in 2 sales I would not have gotten otherwise. Since I was limiting the number of sales to 10, that is a pretty good percentage!

So now I am going to add this information in all of my offers. A sentence or two letting my list members know how they can purchase even without a credit card could result in lots more sales. It certainly couldn't hurt!

Something like: "If you are sitting there thinking, 'This is great, but I don't have a credit card to order!' - don't despair! Go to (insert website here) and learn how to get a reloadable Visa or Mastercard debit card - great for online purchases!"

Give it a try!
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  • Profile picture of the author Gene Pimentel
    Excelent advice -- and I wonder if there are any affiliate programs for prepaid cards where you could link them to
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    • Profile picture of the author ShayB
      Originally Posted by Gene Pimentel View Post

      Excelent advice -- and I wonder if there are any affiliate programs for prepaid cards where you could link them to
      I don't know. I don't think so.

      In any case, the link I would provide is to a service that I get zero, zip, nada from.

      The only reason I would be providing the link is to help facilitate their purchase of my ecourse - no ulterior motives.
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      "Fate protects fools, little children, and ships called Enterprise." ~Commander Riker
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      • Profile picture of the author Monetize
        Originally Posted by Shay60654 View Post

        I don't know. I don't think so.

        In any case, the link I would provide is to a service that I get zero, zip, nada from.

        The only reason I would be providing the link is to help facilitate their purchase of my ecourse - no ulterior motives.
        You should re-think this. You either want to make money
        or you don't. If you don't, then quit now and become a
        charitable institution and do all your work for free.
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        • Profile picture of the author ShayB
          Originally Posted by Monetize View Post

          You should re-think this. You either want to make money
          or you don't. If you don't, then quit now and become a
          charitable institution and do all your work for free.
          Of course I want to make money....I said that I wanted to provide the info in order to facilitate their purchasing my ecourse.:confused:

          But that doesn't mean that every single thing I do or every piece of info I offer has to be an affiliate link.
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          "Fate protects fools, little children, and ships called Enterprise." ~Commander Riker
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          • Profile picture of the author Monetize
            Originally Posted by Shay60654 View Post

            Of course I want to make money....I said that I wanted to provide the info in order to facilitate their purchasing my ecourse.:confused:

            But that doesn't mean that every single thing I do or every piece of info I offer has to be an affiliate link.
            I'm not suggesting that you do that either, or that you spam up
            your site with a bunch of inappropriate affiliate links. But if there
            is a natural occurrence for an aff link, we should take advantage
            of it; especially when providing a service that our clients need.
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    • Profile picture of the author Tuzic
      Banned
      hi,

      excellent advice.
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      • Profile picture of the author Kay King
        You should re-think this. You either want to make money
        or you don't. If you don't, then quit now and become a
        charitable institution and do all your work for free.
        I don't agree with this at all. The card being recommended by Shay, George and myself IS an affiliate card - but it uses major retailers to sell it, not individual marketers. It is a low cost card with very small carrying fee monthly - and mentioning it is a service to your customers that can bring in more sales.

        To think that you can't advise visitors of any services unless you make a buck from it is short sighted.

        kay
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  • Profile picture of the author George Wright
    Hi Shay,

    Great reminder. I've been telling people about and using greendotonline.com for years. It's not only great for people who don't have a CC it's great for people who want to protect themselves from excessive overcharging. Thieves can not get more than is on the card and you can keep the balance within your own "loss comfort zone." Mine is $20

    In fact I use the GreenDotOnline CC/DC as my CC on PayPal with no problem.

    There are online bank accounts that anyone can get that work with PayPal also.

    George Wright
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    "The first chapter sells the book; the last chapter sells the next book." Mickey Spillane
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    • Profile picture of the author Kay King
      I began using Greendot as a result of seeing George's recommendation and have had no problems using it online.

      To me, it's preferable to using your credit card - really cuts the risk down.

      It could also be a suggestion in niches where customers have an aversion to making their credit card info available online.

      kay
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      Saving one dog may not change the world - but forever changes the world of one dog.

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    • Profile picture of the author ShayB
      Originally Posted by George Wright View Post

      Hi Shay,

      Great reminder. I've been telling people about and using greendotonline.com for years. It's not only great for people who don't have a CC it's great for people who want to protect themselves from excessive overcharging. Thieves can not get more than is on the card and you can keep the balance within your own "loss comfort zone." Mine is $20

      In fact I use the GreenDotOnline CC/DC as my CC on PayPal with no problem.

      There are online bank accounts that anyone can get that work with PayPal also.

      George Wright
      Hey, George! That's the link I give.

      I love the prepaid cards - for the reasons you give! I am surprised that so many people still don't know about them. :confused:
      Signature
      "Fate protects fools, little children, and ships called Enterprise." ~Commander Riker
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      • Profile picture of the author George Wright
        Thanks Kay for the mention and Shay you got me to thinking. Complete instructions for getting a Greendotonline Card should be given in EVERY eBook or Report we give away that has our other products for sale. This information should be something we spread around. It could only help.

        George Wright

        Originally Posted by Shay60654 View Post

        Hey, George! That's the link I give.

        I love the prepaid cards - for the reasons you give! I am surprised that so many people still don't know about them. :confused:
        Signature
        "The first chapter sells the book; the last chapter sells the next book." Mickey Spillane
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        • Profile picture of the author ShayB
          Originally Posted by George Wright View Post

          Thanks Kay for the mention and Shay you got me to thinking. Complete instructions for getting a Greendotonline Card should be given in EVERY eBook or Report we give away that has our other products for sale. This information should be something we spread around. It could only help.

          George Wright
          I totally agree.

          It certainly would not hurt the conversion rate!
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          "Fate protects fools, little children, and ships called Enterprise." ~Commander Riker
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  • Profile picture of the author BeachCruzer
    If you are looking for pre-paid credit card affiliate programs, I located this site:

    Prepaid credit card affiliate marketing

    I have no affiliation but I thought it would help on this thread.
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  • Profile picture of the author Fadzuli
    Well in my country, credit cards are hardly used by the community. So we offer the option of bank transfers.
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  • Profile picture of the author rapidscc
    Hey..thanks for the post. Now I know I have an alternative.

    Great guys!

    ~Rapid
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  • Profile picture of the author rapidscc
    Youch! turns out it's for US only :-(
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    • Profile picture of the author grafxgold
      Thanks for this information.
      This closes a gap in my marketing efforts.
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    • Profile picture of the author ShayB
      Originally Posted by rapidscc View Post

      Youch! turns out it's for US only :-(
      I know. Sorry.
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      "Fate protects fools, little children, and ships called Enterprise." ~Commander Riker
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  • Profile picture of the author talfighel
    Hey Shay,

    I have come across many people who say that they don't have a credit card but want to get started in some sort of a business.

    I really think that those who are serious will do what ever it takes to get one.

    I have come across people who want to get started but don't really want to get a card. They want to do things in a "free" way.

    Yes, PayPal is another way to get started but a credit card is the best way to go if a person wants to make money online.

    Tal
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  • Profile picture of the author Fender85
    LOL - this reminds me of something that happened to my group last month. We're running this affiliate promotion and of course our mailing address is in all of our newsletter emails as per CAN SPAM, and out of the blue, this check shows up in the mail. Turns out this guy didn't want to buy over the internet and apparently thought we were the merchant, and so just sent us a check and wanted us to ship him the book (thought the ebook was a physical book lol).
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    • Profile picture of the author Danielle_B
      Paypal is now also offering a service where if you have an acct with them, and run into a site online that only accepts CC's and not Paypal, you can backtrack to Paypal's site (w/in your acct) and generate a one time use/multiple use MC/Visa Account Number with security code and expiration date.

      Take that back to the merchant and presto chango, you have your purchase.

      Works like a dream and the best part is it's cross platform, so MAC users have access as well.


      ~D.
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      • Profile picture of the author Steve Taylor
        Yep, pre-paid cc cards are great...make sure when you purchase that the card has the 4 digit thingy on the back to verify your card...most do but not all.

        -Steve
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  • Profile picture of the author rosetrees
    check out this for the UK
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  • Profile picture of the author MarkMcDonald
    This is an awesome post, seriously something that anyone can add to their business and make a few hundred extra dollars.

    I'm in Australia and you can get prepaid VISAs from heaps of bookstores and places like that.
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  • Profile picture of the author Quilst
    Excellent - now tell me the one for Croatia and how to get a credit card without waiting for a rejection for 3 months :/
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  • Profile picture of the author jestershaw
    Great find...thats what they call working outside of the box.

    Good job and thanks for the valuable info...



    Originally Posted by Shay60654 View Post

    This is one of those "just in case you don't know" items.

    I sent an offer to a select group on my list in order to test an ecourse I am running....the first 10 to purchase (at a reduced cost, of course) became my guinea pigs.

    One objection I got was, "This sounds awesome, but I don't have a credit card."

    Guess what? I have the solution.

    You can purchase (in the US, anyway) a prepaid Mastercard or Visa many places - Wal-Mart, WalGreen, gas stations, etc. You can even purchase the Visa gift cards in $50 and $100 amounts at Wal-Mart, grocery stores, etc.

    They all work like any other Visa or Mastercard debit card, and they are the perfect solution for those who don't have a credit card. You can use them to fund a PayPal account, as well.

    Now, how does this help you?

    Telling this to my list members resulted in 2 sales I would not have gotten otherwise. Since I was limiting the number of sales to 10, that is a pretty good percentage!

    So now I am going to add this information in all of my offers. A sentence or two letting my list members know how they can purchase even without a credit card could result in lots more sales. It certainly couldn't hurt!

    Something like: "If you are sitting there thinking, 'This is great, but I don't have a credit card to order!' - don't despair! Go to (insert website here) and learn how to get a reloadable Visa or Mastercard debit card - great for online purchases!"

    Give it a try!
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  • Profile picture of the author catcat
    In Canada, prepaid mastercards are offered through Money Mart.
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    • Profile picture of the author ShayB
      Glad to have all of the feedback!

      I would think this type of service would be available outside the US (a few countries have been mentioned on this thread) - but not sure if it is available in all of them.

      Like I said in my OP - this is a change that costs nothing but can easily bring in more sales - so why not try it?
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      "Fate protects fools, little children, and ships called Enterprise." ~Commander Riker
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      • Profile picture of the author naruq
        Great Post Shay! This is something that I might add in my outgoing e-mails.
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        Please do not use affiliate links in signatures

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        • Profile picture of the author ShayB
          Originally Posted by naruq View Post

          Great Post Shay! This is something that I might add in my outgoing e-mails.
          Thanks! Glad you could use it!
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          "Fate protects fools, little children, and ships called Enterprise." ~Commander Riker
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          • Profile picture of the author Paxton
            Prepaid Debit Cards are great. Work with PayPal as well so no problems there. You can't lose more than you load on plus if somebody does rump your card - no effect on credit ratings and such.

            My bank here does them and also does another neat thing with their online banking system.

            I can logon to my account and create a "virtual credit card", valid for a single transaction only. Creates a valid cc number and the 3 digit security number on the back, but after you've used it for the single transaction it's valid for - kaput, that credit card number no longer exists.

            Use these mainly for taking trials where I suspect an auto-rebill might be in place.
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  • Profile picture of the author onlinemarketer
    hey thanks for the tip, but i want to know if your not in US
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  • Profile picture of the author Chris Lockwood
    Thanks for the tip, Shay. I had just been telling people they could pay by check or money order if they wanted to... although most who ask about this are outside the US.
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