Facebook Pay is a payment service that allows users to make purchases and send money across Facebook, Messenger, Instagram, and WhatsApp. With Facebook Pay, you can pay for products directly within apps without needing to enter your credit card or banking information each time.
Many users wonder if they can link a credit card to Facebook Pay to make purchases and send payments. The short answer is yes, you can use a credit card with Facebook Pay. Here is a more detailed look at how to set up and use a credit card with Facebook Pay.
Adding a Credit Card to Facebook Pay
To use a credit card with Facebook Pay, you first need to add the card as a payment method. Here are the steps to add a credit card to Facebook Pay:
On Mobile
1. Open the Facebook app on your iPhone or Android device.
2. Tap on the Menu icon (three horizontal lines) in the top right.
3. Scroll down and tap on “Facebook Pay”.
4. Tap on “Payment Settings”.
5. Tap on “Add Payment Method”.
6. Select “Credit Card”.
7. Enter your card details including card number, expiration date and CVV security code.
8. Enter your billing address associated with the card.
9. Read and agree to the terms of service.
10. Tap “Add Card” to finish adding the credit card.
Once the credit card is successfully added, it will appear as a payment method in your Facebook Pay settings.
On Desktop
1. Go to the Facebook website and log into your account.
2. Click on the down arrow icon in the top right corner.
3. Select “Settings & Privacy” from the dropdown menu.
4. Click on “Settings”.
5. Click on “Facebook Pay” in the left sidebar.
6. Under “Payment Methods”, click “Add Payment Method”.
7. Select “Credit Card”.
8. Enter your card details including card number, expiration date and CVV security code.
9. Enter your billing address for the card.
10. Read and agree to the terms.
11. Click “Add Card”.
The credit card will now be available as a payment option when you use Facebook Pay on desktop or mobile.
Using a Credit Card with Facebook Pay
Once you’ve added a credit card to Facebook Pay, you can start using it to make purchases and send payments. Here are examples of using a credit card with Facebook Pay:
Making Purchases in Apps
Many apps and games now offer Facebook Pay as a payment method at checkout. When making a purchase, simply select Facebook Pay, and your added credit card will appear as a payment option. Complete the purchase, and it will be charged to that credit card.
For example, you can use your Facebook Pay credit card to buy coins in games like Candy Crush Saga, make in-app purchases on shopping apps, donate to fundraisers, and more.
Sending Payments
You can send money to friends and family using Facebook Pay and your linked credit card. To send a payment:
– On Facebook, click on the Money icon in a message thread.
– On Messenger, tap the More icon and select Payments.
– Enter the payment amount and select your credit card as the payment method.
– Confirm the details and send the payment.
The payment will be taken instantly from your selected credit card.
Making Purchases on Instagram
If you have Facebook Pay set up on Instagram, you can use your credit card to make purchases seamlessly when shopping on Instagram. Simply tap the checkout button on an item, select Facebook Pay, choose your credit card, and complete the purchase. It allows fast one-click buying without having to enter your card details each time.
Sending Money on WhatsApp
On WhatsApp, open a chat thread and tap the Attach icon. Choose Payment, select Facebook Pay, pick your credit card, enter an amount, and send the payment. The money will be deducted instantly from your credit card.
Managing Your Credit Card with Facebook Pay
In your Facebook Pay payment settings, you can manage your saved credit card details. You can:
– View recent transactions made with the credit card through Facebook Pay.
– Edit the card details like expiration date if your card is renewed.
– Remove the card if you don’t want it linked anymore.
– Add additional credit cards and manage which one is the default payment method.
Facebook Pay Security
Facebook Pay protects all your credit card information with multiple layers of security:
– Card details are encrypted and securely stored.
– Purchases require authentication via PIN, touch ID, or Facebook password.
– Suspicious activity is monitored 24/7 to detect unauthorized transactions.
– You can use single-use codes or temporary QR codes instead of actual card details when sending payments.
So you can feel safe using your credit card with Facebook Pay.
Pros and Cons of Using a Credit Card with Facebook Pay
Here are some of the key benefits and drawbacks of using a credit card with Facebook Pay:
Pros
– Seamless one-click purchasing in apps
– Easy peer-to-peer sending of money to friends or family
– Card details are saved for future transactions
– Integrates across Facebook’s family of apps
– Can take advantage of credit card rewards programs
Cons
– Credit cards tend to have higher interest rates than debit cards
– Potential security risks if Facebook Pay is hacked
– Requires trusting Facebook with your financial information
– Possible overspending if you’re not careful about tracking purchases
– Transaction fees may apply to payments sent via credit card
FAQs About Facebook Pay and Credit Cards
Here are answers to some commonly asked questions about using credit cards with Facebook Pay:
Can I use a prepaid or gift card?
No, currently Facebook Pay only supports debit cards and credit cards from major issuers. Prepaid, gift, and virtual cards are not accepted.
Is my card information saved on Facebook’s servers?
Yes, Facebook Pay does store your card information securely on Facebook’s servers in order to authorize payments.
Do I earn rewards points and miles when using my credit card with Facebook Pay?
Yes, any rewards programs, points, or miles associated with your credit card will apply to purchases made via Facebook Pay.
Can I use a credit card to send payments internationally on Facebook Pay?
Yes, you can send money internationally to friends using your linked credit card. However, foreign transaction or international fees may apply from your credit card issuer.
Can minors use Facebook Pay with a credit card?
No, you must be 18+ years of age to use Facebook Pay and add a credit card as a payment method.
How do I remove a saved credit card from Facebook Pay?
In your Payment Settings, click on the three dots next to a saved card and select Remove to delete it from your Facebook Pay payment methods.
The Bottom Line
Facebook Pay provides a convenient way to use your credit cards across Facebook’s apps for purchases, payments, and money transfers. Simply add your card to get started. While there are benefits like rewards and quick checkout, be cautious of overspending and potential security risks. Monitor your payments and card usage regularly when using a credit card with Facebook Pay.