You can verify your PayPal account or buy anything online without a credit by using something called virtual credit card (VCC). In India HDFC Bank, ICICI Bank and Kotak Mahindra Bank provide this facility.

Imagine you find a awesome song online and you were dying to download. Or you just found a good web hosting site whose prices and features are too good to be true or you just bagged a awesome project in freelancing whose pay would make you a lot richer. You are excited… You are heart is racing… You can’t believe it and click buy now. Then you realize that you need a credit card or a paypal account. Your heart settles but you say to yourself “that’s ok, I will just contact them and see if they can take a check or cash drop”, only to get a polite reply that they don’t have such a facility yet, but will be happy to take the suggestion.

For years it has been difficult for Indian webmasters to buy anything online in international market and it’s still is if you can not afford a credit card…. Well not anymore.

Get yourself a Virtual credit card from any of the banks mentioned earlier. In this tutorial I am using  Netsafe from HDFC bank. Learn the account charges in their website.

Procedure to get Netsafe activated:

1. Get a account from HDFC bank even a savings account will do.
2. Wait for the debit card and online details usually take a week or two.(Note: Debit card and PIN and mailed separately)
3. Register for Netsafe from their website
4. You need Debit card and it’s PIN
5. You create a username and password different from you internet banking account.

The main page of net safe look like this:

The procedure of creating a card is pretty straight forward you enter the amount and click GO. Just remember to create the current foreign exchange rate you can use services like Yahoo! Currency Converter and also remember to keep some extra amount  for example if you want to create Rs500 card enter limit at least of Rs600, don’t worry the remaining amount will be credited back to you account though it may take some time to reflect in you account statement.

A card will be created after a nice animation. Which will display Card Limit, Card holder’s name, Card number, CVV2 (a 3 digit code) and Expiry date along with a visa logo. Your NetSafe Card is ready for use online in any Visa supported payment systems this includes PayPal. Use the number and expiry of the card instead of credit / debit card number while shopping online. For your security and protection, your NetSafe Card expires within 23-46 hours if not used. The NetSafe Card is a one time use card and can be used for only one transaction on ANY online shopping site. The NetSafe Card number is a single use number. This card can only be used for internet purchases. This card cannot be used for mail order or telephone order purchases.

Avoid using your NetSafe Card when:

• You will be required to present your actual plastic HDFC Bank Card to receive your purchase, including some airline and movie tickets – check each merchant’s policy carefully before you purchase!
• Recurring charges will be automatically charged to your card.

Verify you PayPal account

1. Create a Netsafe card and copy the details in a notepad.
2. Click verify you account in PayPal
3. Enter the details
4. Check you transaction in Netsafe account and not in you internet account.
5. You will get the four digit code in 4-5days according to paypal but I got it in seconds.
6. Your are good to go

Remember never to send cash using paypal because the card is used only once. You can directly use the cards it’s perfectly safe.