Person inserting credit card into machine

Ways to Pay

Let’s say you’re at a bookstore and want to buy a book that costs $15.44. You could pay for that book using cash, credit/debit cards, or your phone. How will you pay?

When you pay with cash, you usually pay extra money. Let’s say you don’t have any coins in your wallet so you give $16 to the cashier. Since you paid extra, the cashier will give you some change. Change is the extra money you paid.

However, if you pay with a credit/debit card, you will pay the exact amount. Since you are paying exactly $15.44, you will not get any change. Credit cards are like small loans you take that you will pay back at the end of the month. Debit cards are your own money and you can’t spend more than what is in your bank account.

The last way to pay is with your phone. There are apps like Apple Pay, Google Pay, Venmo, and more that let you use your phone as your credit/debit card instead of carrying them around. You just tap your phone on the machine to pay. Like credit/debit cards, you won’t get any change.

Not every store takes cash, credit/debit cards, and phones. Some stores might not take credit/debit cards. Other stores might not take phone payments. If you don’t know what is accepted, ask a store employee.


credit cardtarjeta de crédito
debit cardtarjeta de débito
bank accountcuenta de banco


Cover Image: @claybanks

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