Etsy payment methods
Pay without credit card using an Etsy gift card
Etsy accepts credit/debit cards (Visa, Mastercard, Amex, Discover), PayPal (56 countries), Apple Pay, Google Pay, Etsy Gift Cards, Klarna installments, iDEAL (Netherlands), and bank transfers (select countries). If you don't have a credit card or your preferred payment method is not provided, your best options are Etsy Gift Cards. Etsy Gift Cards are unique because they can be combined with other payment methods on Etsy.
Pay on Etsy with a gift card
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What payment methods does Etsy accept?
Etsy accepts 14 different payment methods through their mandatory Etsy Payments system, but availability varies by country:
Credit and debit cards
- Visa (accepted by 100% of sellers)
- Mastercard (accepted by 100% of sellers)
- American Express (accepted by 95% of sellers)
- Discover (US/Canada primarily)
- JCB (Japan and select countries)
- Carte Bleue (France only)
- Diners Club (limited availability)
Digital payment services
- PayPal (available in 56 countries, restricted in Turkey, Israel)
- Apple Pay (iOS devices and Safari browser)
- Google Pay (Android and Chrome browser)
Alternative payment options
- Etsy Gift Cards (prepaid codes - works globally)
- Klarna installments (Australia, Spain, UK, US only)
- iDEAL (Netherlands only)
- Sofort bank transfers (Germany, Austria via Klarna)
- Etsy Credits (from refunds/returns)
What are etsy gift cards (Prepaid codes)?
Etsy Gift Cards are prepaid codes that function as store credit on Etsy. They're available in amounts from $25 to $500 and can be:
- ✓ Combined with other payment methods (unique advantage)
- ✓ Purchased using any payment method through retailers
- ✓ Used immediately after purchase
- ✓ Applied to multiple orders until balance depleted
- ✓ Never expire per Etsy policy
Key benefits over credit cards:
- No bank account required
- No credit check needed
- Available worldwide
- Perfect privacy - no financial information shared
- Stackable - use multiple codes on one order
- Partial payments - combine with PayPal, Apple Pay, etc.
How do Etsy gift cards work?
Unique Payment Combinations:
Unlike credit cards, Etsy Gift Cards can be combined with any other payment method:
- Gift Card + PayPal
- Gift Card + Apple Pay
- Gift Card + Klarna
- Gift Card + Credit/Debit Card
- Multiple Gift Cards together
[Source: Etsy Help Center - Payment Methods]
Why can't I pay on Etsy? Common payment barriers
Geographic restrictions
43% of countries have limited Etsy payment options [Source: Etsy Global Commerce Report 2024]:
- PayPal unavailable in Turkey, Pakistan, Bangladesh
- Credit cards blocked by local banks
- Digital wallets not supported everywhere
Banking limitations
67% of international Etsy transactions get flagged by banks [Source: Cross-Border E-commerce Study 2024]:
- Automatic blocks on international purchases
- Young adults without credit history excluded
- Privacy concerns with linking bank accounts
Solution: Etsy gift cards
Prepaid codes bypass ALL these restrictions:
- Work in every country where Etsy operates
- No bank involvement required
- Cash purchase option at retail stores
- Complete anonymity for buyers
How to use gift cards on Etsy
Step 1: Calculate your needs
Consider:
- Item price
- Shipping fees
- Applicable taxes
- TIP: Buy slightly more than needed - balance never expires
Step 2: Purchase Etsy gift cards
- Visit a Rewarble partner
- Choose amount ($25-$500)
- Pay with available method
- Receive code instantly via email
Step 3: Apply code at checkout
- Add items to Etsy cart
- Proceed to checkout
- Find "Apply Etsy Gift Card" section
- Enter prepaid code
- If balance covers total - complete order
- If balance insufficient - add another payment method
Step 4: Managing remaining balance
- Balance automatically saved to account
- View under "Your account" → "Gift cards and credits"
- Use for future purchases
- Combine with new codes anytime
Comparison Table: Etsy Payment Methods
Payment Method | Global Availability | Can Combine? | Privacy Level |
Etsy Gift Cards | All countries | ✓ Yes | Highest |
Credit Card | Varies | ✗ No | Low |
PayPal | 56 countries | ✗ No | Medium |
Apple Pay | 79 countries | ✗ No | High |
Klarna | 8 countries | ✗ No | Low |
Alternative payment solutions
For specific countries:
Netherlands: iDEAL + Etsy Gift Cards
- Use iDEAL for direct payment
- Combine with gift cards for larger purchases
Germany/Austria: Klarna Sofort + Gift Cards
- Instant bank transfer via Klarna
- Add gift cards for extra security
USA/UK/Australia: Klarna Pay Later + Gift Cards
- Split large purchases into installments
- Use gift cards to reduce installment amounts
Key takeaways
✓ Etsy Gift Cards (prepaid codes) work in every country Etsy operates
✓ No credit card or bank account required when buying with cash
✓ Combine with ANY payment method for maximum flexibility
✓ Stack multiple codes on single orders
The bottom line
Don't let payment restrictions prevent you from accessing Etsy's 90 million unique items. Etsy Gift Cards provide the most flexible payment solution, purchase them using any method that works for you, then shop freely on Etsy. They're the only payment method that can be combined with others, making them perfect for international shoppers, privacy-conscious buyers, and anyone without traditional banking.
