On Shopee, debit cards and mobile wallets processed four times as many orders in the first quarter of 2020 as they did in the same period last year, and that trend is projected to continue as more people switch to digital payment methods.

It is Shopee’s goal to make shopping a fluid and convenient experience for its customers through the integration of the entire online ecosystem. Shopee achieves this in a variety of ways, one of which is by increasing the number of top-up options offered by ShopeePay.

Related: How to Add a Debit Card in Shopee?

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Can I Use a Debit Card for Shopee?

As an online shopper, the first thing that comes to mind is how the payment options on the platform work. Not all Shopee users might not have cash on hand, and you might be one of those people. Luckily for you, even without physical cash, you can still shop on the platform through your debit card or credit card. 

Shopee’s gateway payment facilitator or payment provider is securely encrypted and stores all credit card information. This adds an extra layer of security to keep your credit card number safe. With all that, shopping on Shopee is not only easy but very safe as well!

How to Pay on Shopee Using a Debit Card?

To start paying on Shopee using your debit card you simply need to follow a certain series of steps. First, go to the checkout page and click “Payment option.” From there, you need to click “Add New Credit Card” and you’ll have to enter your 16-digit card number, expiry date, and CVC. Once that’s done you simply need to select the credit/debit card to select the card that you want to use.

From there click “Confirm” and “Place Order” to complete the transaction. You’ll then be prompted with a page with the purchase information where you must review your payment and select “Pay.” Finally, you need to enter the One-Time Password (OTP) and select “Continue” and your payment is done. Using your debit card is as simple as that.

See also: How to Withdraw Money as a Shopee Seller?

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Why Can’t I Use My Debit Card in Shopee?

If your debit card payment isn’t working, it might be because of a number of reasons. These reasons may include transaction limits, card errors, unaccepted cards, or restrictions due to card misuse.

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Transaction Limits

This problem is because Shopee has a set maximum transaction limit for credit/debit card purchases and you may have already gone beyond that maximum limit of card purchases.

Card Errors

This reason happens to do with the processing of the card on the part of your bank. For this. check with your bank to determine if the money amount was deducted if your payment process failed. Alternatively, you can get more information by contacting Shopee Customer Service.

Unaccepted Cards

This reason happens to regard the type of card you used to pay. Shopee does not accept certain credit cards, including those issued by certain foreign banks and foreign credit card issuers.

Restrictions Due to Card Misuse

This reason is related again to the card you used to pay for. Payments made with credit/debit cards are governed by the transaction policies set forth by the card issuers. You won’t be able to make a purchase on Shopee if your credit/debit card is flagged as potentially fraudulent. If you have a second card, use that one instead. Alternatively, if you believe the issue is not the result of any suspicious activity, you can contact Shopee Customer Service.

How do I Load my ShopeePay?

ShopeePay is one of the payment options available for the items you’ve placed in your Shopee shopping cart. Due to the fact that it’s an e-wallet, you’ll have to fund it. In addition to payment centers and over-the-counter alternatives, there are also e-wallet options available through online bank accounts. 

These alternatives, on the other hand, need to use cash or transfer funds from your debit card to a different platform before using ShopeePay to complete your transaction. Luckily, Shopee allows you to go past this using your Debit card. In order to do so you’ll need to follow the following steps.

First, find the “Shopee pay” option on the home page and click it. Once there you’ll need to find and then click “Top-up.” You’ll be met with a number of values, for how much you’ll want to top-up. You simply need to enter the amount you want to top-up (the minimum top-up amount for Debit Cards is PHP 1,000). 

From there you need to go to “payment methods” and tap on “Add Debit Card.” And once that’s done, you’ll need to enter your card details and then enter the Captcha. With all of that, you are more than ready to top up your ShopeePay using your debit card quickly and easily. 

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