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How to use HDFC Netsafe VCC on those merchants which only accepts PayPal as their payment processor?

HDFC Netsafe is boon to thousands of webmasters out there in India who don’t have access to Credit Card mainly due to the fact that getting a Credit Card is a tedious task here in India. Though now a days many banks are offering credit cards against Fixed Deposits (FD) but still many people want to stay away from all the problems that credit cards bring with them. Credit Card is a good thing if used wisely but as you know Indians mostly do Cash based Transaction. They do not require a good credit score like western countries to avail loan facilities. Methods are different here in India and hence the use credit cards is still in its infancy stage.

A best alternative to a physical credit card is a virtual credit card facility which is being offered by most of the Indian Banks free of cost to their basic savings account customers. This VCC works on most of the merchant sites which either use custom payment processors or use PayPal, 2checkout etc as their payment processors. But there is one situation in which if merchants supports payment through PayPal only like Elegant Themes or in other case if you want to send payment to other PayPal user than the use of HDFC netsafe becomes little difficult and risky.

Here is the step by step guide which you can follow to male payments to other PayPal users or to those merchants which accepts only PayPal:

  1. First click the Buy Now or any sort of checkout button at the merchants website.
  2. Than you will be directed to the PayPal page where you will be asked to create a fresh PayPal account or to login into your account. You must already have PayPal account to follow this method. So open PayPal website in a new tab, create a account, verify it with your bank account and come back to the checkout page and Log In.
  3. After Log In PayPal will show a error that there is no credit is attached to the account and will give you a option to attach one now. So attach your HDFC Netsafe VCC now and click make payment button.
  4. After that a confirmation page will come, just confirm the payment and it’s done.

Please note that PayPal uses a some what lagged behind or old Currency Exchange Rate for their transactions. So always make a VCC of approximate amount. Here is the formula to create VCC in case you are paying in US dollars. 

Retail Price + 0.3% of Retail Price + Rs. 20 (For security reasons)