What Online Stores Accept Routing and Account Numbers? A Comprehensive Guide

In the digital age, convenience is key, especially when it comes to online shopping. While credit cards and digital wallets are popular payment methods, some shoppers prefer using their bank routing and account numbers for direct transfers. This guide explores which online stores accept routing and account numbers, ensuring you can shop with ease and security.

Why Use Routing and Account Numbers?

Using routing and account numbers for online purchases offers several benefits:

  • Direct Bank Transfers: Funds are directly debited from your bank account.
  • Avoids Credit Card Fees: No credit card interest or fees.
  • Enhanced Security: Reduces the risk of credit card fraud.
  • Budget Control: Helps manage spending by using available funds only.

Online Stores That Accept Routing and Account Numbers

While not as common as credit card payments, several online stores and services accept bank transfers using routing and account numbers. Here are some of the notable options:

1. Amazon

Amazon, one of the largest online retailers, allows users to add their checking account as a payment method. You can enter your bank routing and account numbers to set up ACH (Automated Clearing House) payments.

2. PayPal

PayPal is a versatile payment platform that can be linked directly to your bank account. Once linked, you can use your PayPal balance, funded by your bank account, to shop at millions of online stores that accept PayPal.

3. eBay

eBay accepts PayPal for transactions, which can be funded through your bank account using routing and account numbers. This allows for seamless purchasing from a wide range of sellers.

4. Walmart

Walmart’s online store supports ACH payments. Customers can add their bank account details during the checkout process to complete purchases directly from their checking or savings accounts.

5. Best Buy

Best Buy accepts payments via PayPal, which can be funded through your bank account. This provides a convenient option for buying electronics and other goods without using a credit card.

6. Target

Target’s online store also supports PayPal as a payment method. By linking your bank account to PayPal, you can shop for various products directly through your bank.

7. Etsy

Etsy sellers can accept payments via PayPal, allowing customers to use their bank accounts for transactions. This is especially useful for purchasing unique, handmade items from small businesses.

8. Google Pay

Google Pay allows users to link their bank accounts for direct payments. Many online stores and services accept Google Pay, enabling secure transactions using your bank account.

How to Use Routing and Account Numbers for Online Shopping

To use your bank account for online purchases, follow these steps:

1. Choose a Store

Select an online store that accepts ACH payments or supports PayPal/Google Pay.

2. Add Bank Account

During checkout, choose the option to add a new payment method. Select ‘bank account’ and enter your routing and account numbers.

3. Verify Account

Some platforms may require you to verify your bank account. This often involves small test deposits, which you will need to confirm.

4. Complete Purchase

Once your account is set up, you can select it as your payment method at checkout to complete your purchase.

Safety Tips for Using Routing and Account Numbers Online

While using your bank account online is generally safe, it’s important to follow these safety tips:

  • Use Secure Websites: Ensure the website is secure (look for HTTPS and a padlock icon in the address bar).
  • Enable Notifications: Set up bank alerts for transactions to monitor your account activity.
  • Strong Passwords: Use strong, unique passwords for your online store accounts.
  • Two-Factor Authentication: Enable two-factor authentication for an extra layer of security.


Using routing and account numbers for online shopping can be a secure and convenient alternative to credit cards. Several major online retailers and payment platforms support this payment method, offering flexibility and ease of use. By following the outlined steps and safety tips, you can enjoy the benefits of direct bank transfers while shopping online.

Explore these options and enjoy a seamless shopping experience with the added security of direct bank payments.

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