In Part 1 of this article today (click here), I looked at what pay.com cards are and how you can buy them. This part looks at how to use them.
You can, obviously, use your pay.com card anywhere online for making an online purchase of a physical item. They are not meant to work for purchases of services or the payment of bills.
If you have some money left over on a part-used pay.com card, the easiest way to redeem it is by purchasing Amazon gift e-cards. You can order Amazon gift certificates for yourself and pay them into your Amazon account. You then have a credit balance which you can work through for future purchases.
(If you do this, please consider using our Amazon affiliate link here or clicking the Amazon logo in the right-hand margin. We earn a small commission on each gift card purchase. You cannot earn cashback anywhere else for buying Amazon gift cards so you don’t lose anything.)
Here is a screenshot of one I redeemed yesterday to show that it works OK:
Here are some of the other places – not online retailers – which are known to accept pay.com cards and hopefully still work. If you have regular monthly payments to any of these companies then it is something you should take a look at:
Vodafone – if you are on direct debit, there is a time window between your bill being generated and the direct debit being taken when you can make a direct payment online. My timing is out and I cannot demonstrate this, unfortunately.
Sky – as you can see below, I successfully made a £25 payment to my account which will reduce my next direct debit:
BT, Talk Talk
EDF, Scottish & Southern, Ovo and E.ON
High Street Vouchers – here is a receipt for a £25 Waitrose / John Lewis voucher which I ordered yesterday (free postage):
Inland Revenue – you can pay your self-assessment income tax using pay.com cards. However, you must use the WorldPay payment site and not the Santander one. Here is a test payment I made:
Apple Store e-gift cards bought direct
Council Tax – varies by local authority but they are often accepted as Visa Debit cards
Some merchants – PayPal, I think, for a start – may put a £1 block on your card when you attempt to use it as a security check. The maximum you can then pay is £24. The remaining £1 will be released within 7-10 days and can be used to buy an Amazon gift voucher.
Some merchants will also restrict the number of different card numbers that a single customer can use to 2+ in a 24 hour period. Do not expect to be able to use up 10 3V cards with the same merchant on the same day.
Please let me know if you have any updates to this list.
(Want to boost your Clubcard points? Click here and scroll down to the Clubcard logo to see our list of current promotions.)