Shop Online With Ease: Using Routing and Account Number for Payment

Online shopping is a rapidly growing trend nowadays, providing the utmost convenience for consumers. While credit cards and digital wallets like PayPal are frequently used for online transactions, many online stores also accept routing and account numbers for payment. So, which online stores allow the Using of Routing and Account Number for Payment?

In this article, we’ll delve into the advantages and disadvantages of using routing and account numbers for online purchases, and provide a comprehensive list of online retailers that accept this payment method.

Why Use Routing and Account Numbers for Online Shopping?

Using routing and account numbers for online shopping offers several noteworthy benefits. One of the primary advantages is the potential for lower transaction fees. Unlike credit card transactions which often involve intermediaries and associated fees, direct bank transfers can bypass these additional costs, leading to potential savings for both merchants and customers.

Another crucial advantage is the enhanced security measures inherent in bank account payments. Unlike credit card transactions where sensitive data like card numbers are shared with various parties, direct bank transfers typically involve less exposure of personal information. This reduced sharing of sensitive data significantly mitigates the risk of credit card fraud and identity theft, offering consumers greater peace of mind when conducting online transactions.

Furthermore, the use of routing and account numbers provides consumers with direct payment control. Unlike credit card transactions, where payments may be automatically authorized without explicit consent for each transaction, bank transfers typically require explicit authorization from the account holder. This level of control enables consumers to review transactions and ensure their accuracy before authorizing payment, enhancing transparency and reducing the likelihood of unauthorized charges.

However, despite these advantages, there are also notable downsides to using routing and account numbers for online shopping. These downsides may include longer processing times compared to credit card transactions, limited recourse for disputes or fraudulent transactions, and the potential risk of exposing sensitive banking information if proper security measures are not in place. Consequently, while routing and account numbers offer certain advantages for online payments, consumers and merchants must carefully weigh these benefits against the associated risks and consider implementing additional security measures to mitigate potential vulnerabilities.

The Drawbacks of Using Routing and Account Numbers for Payment

Using routing and account numbers for payment has been a common practice for decades, especially in banking systems. However, this method comes with several drawbacks that have become increasingly apparent in today’s digital age:

  1. Security Concerns: Routing and account numbers are sensitive pieces of information. If they fall into the wrong hands, they can be used for fraudulent activities such as unauthorized withdrawals or identity theft. Even though banks have security measures in place, these numbers are vulnerable during transmission and storage, making them attractive targets for hackers.
  2. Lack of Authentication: Unlike more secure methods such as chip-and-PIN transactions or biometric authentication, routing and account numbers lack built-in authentication mechanisms. Once someone obtains these numbers, they can initiate transactions without needing further verification, making it easier for unauthorized payments to occur.
  3. Manual Errors: Inputting routing and account numbers manually leaves room for human error. Mistakes in typing or transcribing these numbers can lead to payments being misdirected or lost. This can cause delays in processing payments and may result in inconvenience or financial losses for both the payer and the payee.
  4. Limited Payment Information: Routing and account numbers provide minimal information about the transaction. Unlike newer payment methods that allow for inclusion of additional details such as invoice numbers or payment references, using only routing and account numbers can make it challenging to track and reconcile payments, especially in business settings.
  5. Difficulty in International Transactions: Routing and account numbers are primarily used within domestic banking systems. When conducting international transactions, additional information such as SWIFT or IBAN codes is often required. This complexity can lead to higher fees, longer processing times, and increased potential for errors compared to using modern international payment methods.
  6. Incompatibility with Instant Payments: With the rise of instant payment systems like Venmo, PayPal, and digital wallets, the traditional method of using routing and account numbers can feel outdated. Instant payment platforms offer real-time transactions, whereas payments made using routing and account numbers typically require one to three business days to clear, causing delays in funds availability.
  7. Privacy Concerns: Sharing routing and account numbers may compromise the payer’s privacy. While necessary for conducting transactions, these numbers expose individuals to the risk of identity theft or unauthorized access to their financial accounts. Moreover, transactions made using routing and account numbers leave behind a digital trail that can be tracked by financial institutions and potentially exploited for targeted advertising or other purposes.

While routing and account numbers have served as a foundational element of the banking system for years, their limitations are becoming increasingly apparent in today’s rapidly evolving digital landscape. As technology continues to advance, there is a growing need for more secure, efficient, and user-friendly payment methods that address these drawbacks.

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Online Stores That Accept Routing and Account Numbers for Payment

Several major retailers accept checking account information directly at checkout. These include:

  1. Amazon: As the world’s largest online retailer, Amazon accepts payments with checking account numbers. You can save your checking account details in your Amazon account and use them for purchases.
  2. Walmart: This multinational retailer allows customers to pay with their checking account numbers. During checkout, you can select “Pay with Cash” and then choose “Pay with Checking Account” to enter your routing and account numbers.
  3. Microsoft Store: Microsoft’s digital distribution platform accepts payments with checking account numbers. You can add your bank account as a payment option in your Microsoft account settings.
  4. is an online retailer that accepts payments through eChecks, which are digital versions of paper checks. You can provide an eCheck number during the checkout process.
  5. Best Buy: Best Buy, a popular electronics retailer, accepts payments with eChecks. You can obtain an electronic check from your bank and provide the check number during checkout.
  6. Target: Pay with “Debit RedCard,” which draws directly from your checking account.

Third-Party Payment Solutions

Several services act as intermediaries, connecting your checking account to online stores:

  • PayPal: Link your checking account to PayPal and use it for purchases at countless online merchants.
  • Venmo: Similar to PayPal, but with a social media twist, Venmo allows online payments using your checking account.
  • ACH payments: Some smaller stores may offer direct ACH (Automated Clearing House) transfers, where you enter your bank details at checkout.

Before making a payment, ensure that:

  • You’re on a secure website before entering sensitive banking information. Look for the padlock symbol and “https” in the address bar.
  • Check if the store or payment service charges fees for using your checking account.
  • Direct bank transfers may take longer to process compared to credit cards.
  • Not all stores offer this option, so check their payment methods page beforehand.

Alternatives to Paying with Routing and Account Numbers

If your preferred store doesn’t accept checking account details directly, consider:

  • Debit cards: Linked to your checking account, debit cards offer convenience and avoid credit card interest.
  • Prepaid debit cards: Load them with funds from your checking account for secure online spending.
  • Bill pay services: Some banks allow online bill payments to certain merchants, essentially transferring funds from your checking account.

The best method depends on your priorities. Consider convenience, security, potential fees, and whether you value direct access to your checking account balance.

Remember: Sharing your bank routing and account number carries inherent risks. Only do so on trusted websites and be cautious of unsolicited requests for this information.


Online shopping with your routing and account numbers can be a convenient payment method. However, it’s essential to ensure you’re shopping on secure websites and taking steps to protect your personal information. With careful consideration and security measures in place, you can enjoy the convenience of online shopping while maintaining peace of mind.

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