Comments on: eBillme – Secure Online Shopping Without a Credit Card

By: Jaiveer Singh Bangar

Jaiveer Singh Bangar — Wed, 11 Nov 2009 05:56:57 +0000

good site we dont have a credit card so this site is perfect

By: Samer Forzley

Samer Forzley — Wed, 14 Oct 2009 21:25:25 +0000

Thanks for the post Partick, and to clarify a couple if the points

You are correct, you do not share any information with eBillme, all you have to do is pay the eBill we send you and and that is it. You can pay the bill two ways:

1) Go to your own banks website, login and pay it, just like you pay any utility bill using online bill pay
2) Take that same eBill, to any one of more than 75000 walkin locations, like a Walmart, CVS, 7-eleven, and pay with actual cash.

in either case, eBillme or the merchant does not get any of your personal information.

We ship when we get the money, usually form the time you pay, its within a day.

Now Ryan I know you are a fan of cash back but cash back is not just for credit cards, with eBillme you get a 1% cash back with your purchases, and don’t forget our buyer protection program which not just includes 100% no fraud guarantee, but it also includes a best price guarantee and a Satisfaction guarantee. For example: you buy a TV, within 90 days you find it anywhere (online or offline) cheaper, you let us know, and we will give you the difference.

By: fredct

fredct — Wed, 14 Oct 2009 12:32:46 +0000

I stand corrected. That seems like a good service for those highly concerned about fraud. Would it be true that your stuff doesn’t ship until eBillMe receives the payment, registers it, & sends it along to the merchant (or does eBillMe put themselves at risk in the meantime)? Even so, a day or two of delay isn’t bad if you don’t have, or don’t want to use, credit cards.

By: Ryan

Ryan — Tue, 13 Oct 2009 18:03:10 +0000

No, it’s the same as using your bank’s bill pay feature. You basically have your bank send eBillme an electronic check. eBillme never accesses you bank account or anything else – just they just receive a payment from your bank. it’s the same as paying your cable bill or any other bill from your bank’s online bill pay.

By: fredct

fredct — Tue, 13 Oct 2009 17:59:09 +0000

Okay, but you are sharing your personal, private information with eBillMe, right? So you are still “sending… personal or financial information online”. By sending your bank account information you’re actually giving them direct access to your cash, rather than a credit card where the direct access is only to the bank’s money.

It really depends on how much you trust eBillMe instead of the vendor. And it can be a perfectly good idea. But in the end it’s exchange one risk for a different one.

By: Ryan

Ryan — Tue, 13 Oct 2009 13:30:36 +0000

FS, I use a 1% cash back credit card as well, and I get several hundred dollars back per year (it also has higher cash back in certain categories). It’s very easy to track spending with credit cards because I can download the transactions directly into Quicken. However, some people don’t like credit cards, and some people shouldn’t use them. So this is a great way to shop online without worrying about racking up credit card debt or worrying about online security. (millions of credit card numbers are stolen each year from security breaches).

By: Financial Samurai

Financial Samurai — Tue, 13 Oct 2009 07:11:09 +0000

Very interesting service. Thnx for highlighting.

I just use a 1% cash back that goes 100% towards paying down the principal in my primary mortgage every year. I think it’s effective and keeps me disciplined.

CC’s are a great way to help keep track one one’s finances.