How to buy plans without a credit card

If you would like to mail a cheque, please email me.

Other alternatives, such as bank transfers or Western Union are awkward and expensive to use. They typically incur fees of $10 or more, and it is very time consuming to pick up the funds. So these are not practical solutions. However, you CAN use PayPal without a credit card.

Using PayPal without a credit card (eCheck)

To be able to send an eCheck, you must link your bank account to your PayPal account. This enables PayPal to withdraw money from your bank account to fund payments.

Once you have created an account, you can go back to the plans purchase page, click on "buy now", and log in to your PayPal account to send an eCheck.

When you send an eCheck, PayPal withdraws the money from your bank account. This will take three to five business days, so payment is not instant. Because payment takes time to clear, you will not be able to download the plans right away. My website doesn't get notified of the payment until it clears, so the immediate download will not work, and the automated download email will not be sent until payment clears.

However, I have only had a small fraction of eChecks fail to clear in the past and those people have been kind enough to make alternate payments. So when I see a pending eCheck payment, I will in good faith manually trigger the download email to be sent so that you don't have to wait so long. I check my email several times a day, so I usually see it within half a day.

It does require that you trust PayPal. PayPal is quite large, and they can't afford to screw customers around. However, like any company, there are horror stories out there. Most of these focus on PayPal being too cautious and locking down vendor accounts for "suspicious" activity. My impression is that they go out of their way to protect the buyer, and that comes at the seller's expense and inconvenience.

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