Can You Still Make Online Payments If your ATM Card Has Expired? Why Updating ATM Card Is Important?

Everyone must have got this thought about ATM or debit cards at least once in their lives, which is, can you still make online payments if your ATM card has expired? and also, why it is important to keep this card up to date? Well, there is no doubt that we all make payments, and every time when it comes to talking about paying bills or sending money we all need to carry an ATM card. Well, it is not only about offline payments but when it comes talking about online mode or paying bills and sending money it is mandatory to register with your debit card number.

Also, as there are so many digital payments and financial services companies such as Phonepe, Paytm, Google Pay, and so on, everything application will ask you for a debit card, and in such case if you are not carrying one, then probably you will not be able to continue the services.  When it comes to making online payments, having an ATM card is often a convenient option. However, what happens when your ATM card has expired? Can you still make online payments with it? The short answer is no. Once your ATM card has expired, you will no longer be able to use it to make payments online. So, what can you do?

Why It Is Important To Update Your ATM Card?

Before we delve into the alternatives for making online payments after your ATM card has expired, it is essential to understand the importance of updating your ATM card. An ATM card is a financial instrument that allows you to access your funds through an automated teller machine. However, like any other instrument, it has an expiry date. Once your ATM card has expired, it becomes invalid, and you will not be able to use it to withdraw money from ATMs or make online payments.

Updating your ATM card is crucial because it ensures that you can continue to access your funds and make online payments without any hassle. It also helps to protect you from fraud and unauthorized transactions. When you update your ATM card, you will receive a new card with a new expiration date, a new CVV number, and a new PIN. This means that even if someone has your old ATM card details, they will not be able to use them to make fraudulent transactions.

What to Do When Your ATM Card Has Expired? 

If your ATM card has expired, there are several options available to you. The first and most obvious option is to visit your bank and request a new ATM card. This process is usually straightforward, and you will typically receive your new card within a few days. Once you have your new ATM card, you can activate it and start using it to make online payments.

Another option is to link your bank account directly to your online payment platform. This option allows you to make payments without the need for an ATM card. However, it is essential to note that this option can be risky as it involves sharing your bank account details with third-party payment platforms. Therefore, it is crucial to ensure that you only use reputable and secure payment platforms.

Lastly, you can use digital wallets such as PayPal, Google Pay, and Apple Pay to make online payments. These digital wallets allow you to link your bank account or credit card to the platform and make payments without the need for an ATM card. However, it is crucial to ensure that you only use reputable and secure digital wallets to avoid fraud and unauthorized transactions.

So, as per the above information that you read updating your ATM card is essential if you want to continue making online payments without any hassle. Once your ATM card has expired, you will no longer be able to use it to make online payments, and you will need to explore alternative options. While there are several alternatives available, it is essential to ensure that you only use reputable and secure payment platforms to protect yourself from fraud and unauthorized transactions.