How to Pay with a Credit Card or Debit Card

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Help Center / Payment Process

Last updated on Dec 29, 2025

For shopping on websites or apps, you’ll typically use one of two methods: direct merchant payments or third-party platforms.

1.1 Direct Payment on Merchant Websites/Apps

Most e-commerce sites (e.g., brand stores, marketplaces) let you enter card details directly at checkout.

- **Steps**:

1. At the checkout page, select “Credit Card” or “Debit Card” as your payment method.

2. Enter your card details **accurately**:

- Card number (16–19 digits, no spaces).

- Expiration date (month/year, e.g., 12/25).

- CVV code (3-digit code on the back of Visa/Mastercard; 4-digit on American Express).

- Billing address (must match the address registered with your bank—even small differences, like abbreviations, can cause payment failures).

3. Complete extra verification (if required):

- 3D Secure (3DS): Enter a one-time code sent to your phone/email (used by banks like CCB to prevent fraud).

- SMS verification: Some merchants send a code to confirm your identity.

4. Review your order (amount, shipping address) and click “Pay” or “Confirm.”

5. Save the confirmation email/receipt for future reference.

1.2 Via Third-Party Platforms (PayPal, Google Pay)

Third-party services add an extra layer of security (they don’t share your card details with merchants).

Example 1: PayPal (No Account Required)

Many merchants (e.g., Justway) support PayPal’s “Guest Checkout”