How To Pay On Western Union With A Credit Card

Western Union is a US financial services company that facilitates money transfers worldwide. Initially, it used to do money transfers and telecommunication services but later discontinued its telegram services in 2006. The company has several departments, including money transfers, trade payments, cash orders, and commercial services, and it is currently among the world’s largest financial services companies. We shall learn about paying western union with a credit card later. 

Most money transfer companies usually rely on funding sources such as bank accounts, credit cards, debit cards, and prepaid cards to facilitate particular transactions. What happens online if the balance is not enough to cater for any transfer. For example, you can add a payment card or bank to PayPal to help you fund transactions. If you initiate a transaction and do not have enough money, PayPal automatically gets the required amount from the linked account.

Western Union is one company that has made the exchange of money across the world very easy as people can send money to people very far from their location. That makes international trade easy to contact, thus helping to boost the world economy. Today you can purchase an item from China when in the United States and pay via Western Union or other suitable payment methods and wait for your order to arrive at your place. 

How to get started with Western Union?

You can get started with Western Union online by creating your profile. To use Western Union, you just need to create your online profile, verify your profile using your passport, US driver’s license, or government-issued ID and begin enjoying money transfers. You can start by filing an online registration form to create your account.

You need to provide your full names, although the middle one is optional, your email address, and a password. Once everything is okay, you can then use your account. Once your account is ready, you can select where you want to transfer funds. You just need to enter the destination and the amount to send. After that, you then choose to send money internationally or locally.

You also need to choose whether to send money directly to your recipient’s bank account, a nearby Western Union location, or their mobile wallet. When sending money, it is wise to know the Western Union fees to send money to effectively budget the total amount you need for a given transfer. 

How to transfer money with Western Union?

paying western union with credit card

You can send money using the platform in the following manner.

  • Enter the destination and the amount of money to send. 
  • Choose to send money internationally or locally.
  • Decide to send money directly to your recipient’s bank account, mobile wallet, or a nearby Western Union location.
  • Enter your recipient’s information. For pickup transfers, you need the name and address of the recipient.
  • Pay for your online transfer securely.
  • Confirm, send and then track your transfer
  • Depending on the method chosen, the money will arrive in minutes, depending on how you send it. 
  • You will get a confirmation email containing a Money Transfer Control Number (MTCN) to help track your transfers.

There are various ways one can transfer money using Western Union. They include the following. 

i) Send money on the go with the Western Union app

You can download the Western Union® app from relevant sites such as the Google Play Store for Android devices or App Store for Apple devices. That makes it easy to pay someone instead of walking to a transfer location. The Western Union send money online option is very convenient as you can do it from anywhere. It does not matter if one is traveling, dining, or relaxing on a couch, as you can do the transfer from anywhere and anytime. 

ii) Pay by phone

You can transfer money with no fee to bank accounts in specific countries by sending it from your account. When sending by phone, you need to;

  • Call 1-800-325-6000 and talk to a money transfer specialist.
  • Fill in the recipient’s details. You’ll be required to provide their address plus their bank account details.
  • Confirm the transfer. You will see a receipt showing if your delivery method has been updated.

iii) Transfer money in person

There are more than 500,000 Western Union agent locations around the globe where you can transfer money for cash pickup to a bank account or a mobile wallet. You can search for Western Union locations here. 

How to pay Western Union with a credit card?

A credit card is a payment card that allows you to borrow money from your issuer. You can acquire a credit card from a bank account, credit union, or a mobile wallet. The card allows you to fund transactions for various money transfer apps.

Western Union is one of the money transfer apps that allows you to fund your transactions using a credit card. You only need to choose your credit card as the method to use for your payment to transfer your funds to the receiving person. 

Before using your card for payment, you should ensure that your card is enrolled for secure authentication. If not, you must request your bank to help you or log into your online account and set up the relevant settings. You should also ensure your contact details are up to date on your online banking as well as in your Western Union profile. 

Once you choose to pay with your credit card, the money is automatically deducted from your card to pay for your transfers. Remember that Western Union may decline your card payment for the following reasons.

  • Your card is not enrolled for secure authentication.
  • Insufficient funds in your account.
  • Unusually large payment beyond your bank limits.

If there are other issues with your card, you should contact your issuer and report the matter. Interestingly, you can transfer money to someone else’s credit card using Western Union. That is possible as soon as the recipient picks their tracking number (MTCN).

How do you receive money from Western Union for your card? 

You can receive money from Western Union to your debit or credit card in the following manner. 

  • Visit the Western Union website or app
  • Select the Receive Money option.
  • Log into your account or create one online. 
  • Enter your MTCN number, sender’s country, name, amount, and select a payment card to get your funds.

Western Union must verify your identity before using your card to pick up money sent to you. First, you enter your mobile phone number, then follow the guidelines on the screen. You can also contact customer care via their phone number – 3700 for free or 0800 500 00 30 for calls from abroad. You can also write them an email at [email protected]

Is Western Union secure? 

Western Union is secure to send money with. It uses the latest technologies to ensure convenient and reliable online money transfers. The recently updated security details help safeguard you from online fraud using a credit or debit card. 

Enhanced security layers align with the latest EU regulations to security systems, helping card-issuing banks better identify and verify their customers. That ensures convenient, smooth, and reliable online transactions. Furthermore, Western Union requires you to create a secure password that you can use to access money online. 

How do you transfer money on Western Union using a bank account?

I have discussed how you can use a payment card to send money to others. You can also use your bank account to transfer money using Western Union, as I mentioned somewhere up. The bank account acts as a source of money to fund your transactions. That is possible whether transferring money online or at a physical branch. 

Once you enter your transfer details online, Western Union will direct you to your online login portal, entering your bank details to authorize the transfer. You can move funds from your bank to Western Union in the following manner. 

  • Enter your transfer details and log in to your online banking to fund your transaction.
  • Choose the bank transfer option.
  • Review and confirm the transfer. Your receipt with your transaction details, reference number, and Western Union bank details will show on the screen and also to your email address.  
  • Log in to your bank mobile app or website and use the beneficiary details on the receipt page to make the payment via bank transfer. Ensure that the information you provide is the same as the information on your Western Union receipt.
  • After Western Union receives your payment, they will send a confirmation email to your email address.

Can you transfer money from Western Union to Cash App?

Cash App is a peer-to-peer money transfer service that operates in the US and the UK. It allows you to fund our transactions from various sources, including debit cards, credit cards, and bank accounts.

However, you cannot directly transfer money from Western Union to Cash App because the two services do not support each other. You should transfer the money to a bank account that links to Cash App, then transfer the money from the bank account to Cash App. 

Bottom line

Western Union is a money transfer service that allows you to send money within and outside the country. The service allows you to send money to a physical location or online using your app or website. You can fund your transactions using a debit, credit card, or bank account.

Whichever method you use, you must verify that you request the funding. Online transfers are fast, reliable, and convenient.