How to Use Visa Gift Cards Online for Partial Payment

Ever tried using a Visa gift card online and had the transaction declined because the balance wasn't enough? You're not alone. Most websites don't allow partial payments using multiple debit or credit cards—but there's a simple workaround. In this post, we'll show you how to turn your Visa gift card into a store eGift card and use it alongside a debit or credit card to complete your purchase. No money wasted. No balance left behind.

The Quick Fix: Convert Your Visa Gift Card to a Store eGift Card

Most online checkout systems don't allow you to combine a Visa gift card and a credit card in a single transaction. If your Visa card doesn't fully cover the cost, the payment fails. The fix? Use your Visa balance to buy a store eGift card first (e.g., Amazon, Target, Walmart).

Here's how it works:

1. Check your Visa gift card balance (e.g., $5.47).
2. Go to that store's gift card page or a marketplace like GrizzlyCards.
3. Purchase a store eGift card for the exact balance.
4. Apply the store eGift card during checkout.
5. Use your debit/credit card to pay the remaining balance.

This trick ensures you use the entire value of your Visa card—even small leftover amounts.

Why You Should Do This Immediately

Waiting can cost you. Once your Visa gift card has just $2.74 left, it's hard to use that exact amount. Instead, convert the Visa gift card as soon as possible into a more flexible store gift card like Amazon or Target.

Why Visa Cards Don't Work Like Store Gift Cards Online

Open-loop Visa cards are processed like debit/credit cards. That's the problem. Most shopping carts only allow one card at a time in the credit card field. So if your Visa card doesn't cover the full amount, it fails with no option to add a second card.

In contrast, store websites often let you:

• Enter a store gift card in one field
• Enter a debit/credit card in another

This makes split-tender payments possible—but only when the first card is a store gift card, not a Visa.

Can You Use Multiple Visa Cards Online?

Technically, no—but here's a workaround.

Online checkouts rarely support multiple debit/credit cards in a single order. But you can still use multiple Visa cards by converting them to store eGift cards.

Steps:

1. Use each Visa card to buy store eGift cards.
2. Apply all the store gift cards at checkout.
3. Pay the remaining amount with one regular card.

You've now performed a multi-card split without ever needing the site to support it.

Where to Buy eGift Cards Instantly

Need a store eGift card fast? Two options:

• Empty your cart, buy a store eGift card instead, and come back later.
• Buy the eGift card from GrizzlyCards or directly from the retailer's site.

We deliver store eGift cards instantly to your email, so you're ready to shop within minutes.

Eliminate Pesky Small Balances

If you've got a leftover Visa balance—$1.93, $3.80, etc.—don't let it go to waste.

This simple trick helps you maximize every penny on your Visa gift cards.