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Payment options have become increasingly varied in the online dating world, and it’s pretty common to see dating sites that accept prepaid cards, credit cards, and PayPal. But, worry not, you don’t have to provide payment information right away.

Signing up to an online dating site or app is completely free with no strings attached. A single person can create a dating profile, swipe for potential matches, and stay a free member permanently. Singles can always upgrade their account to gain access to premium features. That’s when payment information will be needed, and a prepaid debit card can come in handy at this point.

Here is a comprehensive list of the top-rated dating sites and apps that don’t demand instant payment but will accept prepaid debit cards and credit cards in the event of an upgrade.

1. Match.com

Our expert ratings are based on factors such as popularity, usability, value, and success rate of each site.

Relationships:Friends, Dates, and Relationships

Match System:Browse by zip, age, appearance, more

Our Experts Say:“Match has facilitated the most dates and relationships of any dating site, and its large audience and high success rate make it our top review...” Full Review»

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Since its launch in 1995, Match has seen record success in the online dating industry. This dating service pioneered technology that prioritizes personal compatibility and has successfully matched millions of people as a result. The Match network currently reaches 50 countries, including the U.S. and Canada.

Match.com offers some valuable free features, so users may not even need a credit card or prepaid card to make a meaningful connection here. The dating site and app provide free communication tools to members who are in each other’s Top Picks list, meaning they have a high compatibility score.

Free members cannot choose which profiles are their Top Picks, so it may be worth upgrading to a paid membership to message anyone and everyone you like.

2. EliteSingles

Our expert ratings are based on factors such as popularity, usability, value, and success rate of each site.

Relationships:Serious Relationships

Match System:Search, Receive Partner Suggestions

Our Experts Say:“EliteSingles is a leading dating site just for busy, single professionals. More than 80% of members have earned a college degree, and most are looking for a serious commitment...” Full Review»

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EliteSingles is an online dating site where business leaders, tech experts, medical professionals, and entrepreneurs can come together. The platform has premium matchmaking services available for a monthly fee, but all members start with a free subscription that includes unlimited browsing.

Creating an EliteSingles profile requires some personal information — age, location, occupation, education, etc. — but it does not require a Visa debit card or credit card. The only reason to provide a card account number is if you want to view photos and exchange messages on the dating platform.

3. eharmony

Our expert ratings are based on factors such as popularity, usability, value, and success rate of each site.

Relationships:Casual Dates, Deep Relationships

Match System:Personality test suggests matches

Our Experts Say:“Accounting for 2% of U.S. marriages, eharmony's compatibility-based system and commitment-minded user base are ideal for those seeking a serious relationship...” Full Review»

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You may not realize it, but the inspiration for eharmony came from psychology. In 2000, a team of psychologists worked on an algorithm that could predict personal compatibility and increase the likelihood of a relationship working in the long term.

The eharmony founders made a bold and ambitious plan that powered one of the most successful online dating sites in the world.

The eharmony site and app provide valuable matchmaking tools, but not every feature is available for free. Free members can take the compatibility quiz, complete their profile, and send some greetings to like-minded singles, but they cannot send unlimited messages or make a video call unless they subscribe to a paid membership.

4. SilverSingles

Our expert ratings are based on factors such as popularity, usability, value, and success rate of each site.

Relationships:Friendship, Casual Dates, Serious Relationships

Match System:Search by age, location, height, education, ethnicity, and religion

Our Experts Say:“SilverSingles is a fast-growing, easy-to-use niche dating site exclusively for active daters over the age of 50...” Full Review»

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SilverSingles provides meaningful support to senior men and women who are hoping to find love in their golden years. This senior dating site caters to the over-50 crowd with user-friendly features and instant connection tools.

The initial registration for SilverSingles does not ask for a person’s debit card or credit card information. That part only comes into play if the SilverSingles user wants to send a private message. SilverSingles accepts a variety of electronic payment, including a direct deposit from a prepaid card. The monthly membership plans vary in length from one month to six months.

5. Zoosk

Our expert ratings are based on factors such as popularity, usability, value, and success rate of each site.

Relationships:Fun Dates, Serious Relationships

Match System:Search and get match recommendations

Our Experts Say:“Zoosk is integrated with social media sites, like Facebook and Google+, so it's very popular with singles on the go...” Full Review»

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Since its launch in 2007, Zoosk has blossomed into a social networking and dating hub. The online dating site has over 40 million users in 80 countries ranging from the U.S. to Europe to Australia.

Singles should have no issue with using prepaid cards to pay for a Zoosk subscription. Simply fill in the card account details and make sure you have enough funds to pay for the membership. Online users should note that Zoosk does not require monthly payment installments — it asks for a lump sum instead. That means the price tag for a one-year subscription can be over $150.

6. ChristianMingle

Our expert ratings are based on factors such as popularity, usability, value, and success rate of each site.

Relationships:Dates and Serious Relationships

Match System:Search by gender, age, education, more

Our Experts Say:“ChristianMingle is among the largest dating sites in the industry that only caters to single Christian men and women, and the site has some of the best search filters and safety features...” Full Review»

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ChristianMingle is on a mission to unite Christian singles in loving and values-driven relationships. This wholesome dating site and app have embraced faith as a core aspect of online dating and given true believers a place where they can follow their hearts and meet a good Christian match.

ChristianMingle members will find plenty of free dating opportunities in this Christian network. The platform has over 15 million profiles that feature photos, personal details, and favorite Bible verses. Many singles have put their faith in ChristianMingle and formed a lifelong relationship as a result.

7. OurTime.com

Our expert ratings are based on factors such as popularity, usability, value, and success rate of each site.

Relationships:Dates and Relationships

Match System:Search by profiles by zip and more

Our Experts Say:“OurTime is well-known in the over-50 dating crowd, particularly because it has a ton of helpful search features and an easy layout...” Full Review»

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OurTime endeavors to bring greater experience and maturity to the online dating scene. This senior dating site (and its companion app) can help older singles build steady relationships based on similar values and experiences. The majority of OurTime users are in their 50s and 60s, but it’s also possible to up the targeted age range and meet single people who are 70+ years old.

It’s free to set up an OurTime account and browse the database for likely matches. So you may not need your prepaid card at all. However, OurTime limits communication between free users for safety reasons. That means a conversation window may lead you to a paywall. OurTime costs less than $1 a day, so it could be well worth it to spark a senior connection online.

8. BlackPeopleMeet

Our expert ratings are based on factors such as popularity, usability, value, and success rate of each site.

Relationships:Deep Relationships or Just Casual Dates

Match System:Search by location, age, more

Our Experts Say:“BlackPeopleMeet.com is the one of the largest and most popular dating sites for black and biracial singles, and the site is used by more than 5 million people a month...” Full Review»

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BlackPeopleMeet is a niche dating site that serves single people in the Black community. Since 2002, BPM has been a major supporter of Black love as well as interracial relationships. The dating site welcomes non-Black members who want to diversify their date prospects.

Singles do not need a credit card to join BPM. The free membership never expires and provides a lot of valuable features, including ethnicity search filters and in-depth dating profiles. A single person can explore the BPM site and app at no cost; however, only paid members have private chat options available. When you’re ready to chat with a special person, whip out your prepaid debit card and get a BPM subscription to make it happen.

9. Adult Friend Finder

Our expert ratings are based on factors such as popularity, usability, value, and success rate of each site.

Relationships:Hookups Only

Match System:Search by location, interest, more

Our Experts Say:“Make no mistake: this site isn't about making friends, it's about short-term 'hookups' and affairs only. Note that a basic account costs $14.95/month, but it's well worth it if casual sex is your goal...”

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During the height of the coronavirus pandemic, Adult Friend Finder became a much-needed sexual outlet for singles and couples across the globe. The AFF community surpassed 105 million users in 2020, and it continues to set records as the most popular sex site of all time.

Joining AFF is 100% free, but the free features will only get you so far. AFF members have to purchase a Gold Membership to access live chat and video features. The site’s payment options are flexible enough to accomodate people with a prepaid debit card, Visa gift card, or any type of credit card. As long as the account has funds, it should work in the express checkout process.

10. BeNaughty

Our expert ratings are based on factors such as popularity, usability, value, and success rate of each site.

Relationships:Hookups, Chats

Match System:Search by encounter, location, and more

Our Experts Say:“BeNaughty is a premier hookup app where you can feel comfortable expressing your desires. Plus, it's free to join, browse, and flirt...” Full Review»

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BeNaughty is among the top adult dating sites for singles who are looking for a casual fling or hookup. It doesn’t cost anything to join the fun and see what’s out there. A free BeNaughty account includes some communication options and unlimited access to local dating profiles.

Browsing the BeNaughty site can give single people a quick and cheap thrill. The photo gallery, swipe list, and search filters can help anonymous sex seekers navigate the local dating scene without leaving home. Pro tip: Look for a green dot on the profile picture to find potential dates who are currently online.

11. Ashley Madison

Our expert ratings are based on factors such as popularity, usability, value, and success rate of each site.

Relationships:Hookups, Casual Dates, Affairs

Match System:Search by age, location, appearance, and more

Our Experts Say:“With its massive user base and advanced privacy features, Ashley Madison is the #1 site for discreet hookups, dates, or relationships...” Full Review»

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Ashley Madison is an affair dating site that accepts prepaid cards as well as PayPal and any type of Visa card. A purchase is not necessary to join the dating platform, but it can offer more streamlined matchmaking and communication options.

Most Ashley Madison members are interested in keeping their identities secret and their online dating activity private. That’s why Ashley Madison has an anonymous payment method that ensures key phrases like “online dating” or “affair service” won’t appear on their bank’s card balance statements.

12. FriendFinder-X

Our expert ratings are based on factors such as popularity, usability, value, and success rate of each site.

Relationships:Hookups Only

Match System:Search by location, interest, more

Our Experts Say:“A hookup site specializing in casual encounters, secret affairs, live chats, and member videos, FriendFinder-X skips the awkward 'dating' stage of a relationship and fast-forwards straight to the sex...”

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FriendFinder-X has what it takes to satisfy horny singles and couples from all walks of life. The global sex site has chat rooms, search filters, livestreaming broadcasts, video chat options, and all kinds of kinky diversions available — including a photo gallery of nudes. A lot of X-rated content is available for free, but FriendFinder-X members must purchase a subscription to unlock private chat windows.

Whether you want to pay with a Visa debit card or a PayPal account, FriendFinder-X is nothing if not flexible to the user’s every need. The payment options allow members to use a prepaid card seamlessly and spice up their love lives by making a quick transaction online.

13. Flirt.com

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Our expert ratings are based on factors such as popularity, usability, value, and success rate of each site.

Relationships:Hookups, Casual Dating, Chats

Match System:Search by age, location, gender, orientation, and other factors

Our Experts Say:“Flirt.com frees singles to chat with attractive locals and pick up dates on the spot. This hookup site is always open to horny and sexy people seeking one-night stands, casual dating, threesomes, and other sexual encounters...”

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As you can undoubtedly tell from its name, Flirt.com was designed to facilitate flirtatious interactions and sexually charge experiences online. The platform has over 1 million active users, and it is open 24/7 to singles of all ages, background, and orientations.

Flirt.com is a no-strings hookup site because it doesn’t require credit card details for a basic membership. In fact, all female users can chat for free, so they don’t need to pay for the pleasure of a sexting conversation. Single men have some free communication options on Flirt.com, but the dating website caps the number of messages they can send as a free member.

14. MenNation

Our expert ratings are based on factors such as popularity, usability, value, and success rate of each site.

Relationships:Daters & Hookups

Match System:Search by age, zip code, more

Our Experts Say:“MenNation is a well-established gay dating and hookup brand, having been founded in 1996. It's totally free to join, view profiles, receive matches, and flirt...”

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MenNation offers a gay hookup site where guys can let loose and have fun without judgment. The platform has all the tools of the trade to help gay, bisexual, and queer men get laid. Its free features include unlimited browsing and group chat rooms, and guys can upgrade to watch live model shows, send private messages, and explore local dating options.

Some gay men worry about the consequences of connecting a checking account to a gay dating service. That’s not a problem on MenNation. The hookup site allows private payment options through a PayPal account or a prepaid card.

15. LesbianPersonals.com

Our expert ratings are based on factors such as popularity, usability, value, and success rate of each site.

Relationships:Hookups Only

Match System:Search by location, interest, more

Our Experts Say:“LesbianPersonals provides a fun, quick, and easy experience for gay and bisexual women looking for sex online. Join for free, and you'll be able to search and communicate immediately...”

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LesbianPersonals offers a female-friendly space where people can arrange lesbian hookups, threesomes, and orgies on the down low. The anonymous signup process doesn’t ask for much personal information, and it doesn’t even require a profile photo to get started. The only catch is LesbianPersonals only allows communication between paid users. Free members can look but not chat.

LesbianPersonals is not picky when it comes to payment. It’ll take your Netspend card or Visa debit card with no muss and no fuss. Just make sure the card account number is correct and click the Checkout button to complete your subscription purchase.

16. OkCupid

OkCupid is a totally free dating site where singles can put their purses and wallets away. It is free to join, free to browse, and free to chat. The vast majority of OkCupid users pay absolutely nothing and still come away with an inbox full of messages and a calendar full of first dates.

Every year, OkCupid creates approximately 90 million matches and sparks 2.6 million dates.

OkCupid draws from an in-depth questionnaire to calculate relationship compatibility.

The OkCupid premium membership offers some decent paid features, including read receipts for messages and the ability to see who has liked you. These perks can be helpful to singles who are having difficulty making a connection on their own — but upgrading is not a requirement for online dating success.

17. Tinder

Tinder caused an absolute sensation in the online dating market in 2012 by inventing swipe-based matching. The online dating app was the first to give singles the final say over who could send them a message and pursue a relationship. A chat window only appears after both Tinder users have liked (by swiping right) each other’s dating profile.

To date, Tinder has made over 60 billion matches in 190 countries. The app has been translated into 40 languages.

The Tinder app has defined the dating experience for a generation of young singles.

Swiping and chatting is free on Tinder — with some limits. Free members have a cap on how many likes and super likes they can send in a single day.

The Tinder Plus and Tinder Gold subscriptions offer more swiping freedom for less than $10 a month. The paid perks include a Tinder Passport, which empowers a user to swipe in different cities and countries.

18. Plenty of Fish

Plenty of Fish launched in 2003 on a mission to make online dating not just better, but freer. The dating platform rejected the pay-to-chat subscription model that was standard at that time and became one of the first totally free dating sites to gain worldwide recognition.

The POF community now has over 150 million members in 20 countries. Its members engage in about 17 million chats every day, and they don’t have to pay a penny to read and respond to those messages.

Plenty of Fish generates match suggestions based on common interests and backgrounds.

Communication is free on Plenty of Fish, but some premium features cost money. The premium membership can give an online dating profile a boost in the search results and guide the user to the perfect match.

Plenty of Fish lists PayPal and Visa credit cards under its accepted payment options on its website. Members can also purchase tokens and use those as currency on the site and app.

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19. Grindr

Grindr is a gay dating app that uses real-time GPS location data to spark instant connections. The Grindr swiping list is basically a summary of the hottest LGBTQ+ guys in town, and those that are closest in proximity to you will appear at the top.

Since its launch in 2009, Grindr has been downloaded over 27 million times. It currently sees nearly 4 million users per day.

Grindr has become the go-to dating app for gay, bisexual, trans, and queer men.

It’s completely free to download Grindr and chat up your mutual matches. The only limitation is on how many swipes you can make per day and how far outside your city radius you can look for a date. Grindr Xtra users have more swiping and search filters at their fingertips. So it may be worth whipping out your credit card or prepaid card to get a little extra help in the gay dating world.

20. Badoo

Badoo has over 500 million registered users — and counting — so it is easily one of the most popular dating sites and apps on the market. The Badoo app is free to download and includes social networking tools designed to stimulate romantic interests.

Badoo started in Moscow in 2003 and has grown into an international network.

The Badoo profile features photos, videos, and blurbs that showcase a person’s individuality. And you don’t need a paid subscription to enjoy interacting on the dating platform.

If you’re ranking dating sites by popularity, it’s hard to top Badoo. The platform sees about 30 million active users in 190 countries. It hosts many chatty singles who exchange about 350 million messages a day on average.

21. Happn

Happn has taken the idea of romantic serendipity and turned it into an online dating app. The app’s matchmaking formula looks for common ground and identifies where its users have crossed paths as they go about their day.

Over the last decade, Happn has helped over 50 million users create romantic connections within the same neighborhood, block, or county. And, best of all, no payment is required to join Happn and start matching.

Happn is one of the top dating apps for busy professionals in big cities.

Maybe two Happn users go to the same gym or frequent the same coffee shop but have never met. Happn lets potential matches know where they could’ve met in real life by providing a map reference with highlighted points of interest.

Safety note: Happn will never disclose a user’s real-time location, and online daters can turn off their smartphone’s location or adjust their privacy settings to stop the app from mining that information.

22. Bumble

The Bumble founding story began when Whitney Wolfe Herd left an executive position at Tinder and started researching ways to improve online dating for women. Whitney objected to the hookup culture and pickup culture on swiping apps, so she partnered with industry experts to create an online dating app that would support women.

In 2014, Bumble launched a free mobile dating service that gave single women the ability to block the creeps and focus on dating for keeps. By 2020, Bumble had surpassed 100 million users.

Over 85% of Bumble users say they’re looking for a serious relationship.

Bumble empowers single women to send the first message when matched with a man. No man can message a woman on Bumble unless she has messaged him first. This match system upends the traditional power dynamic between men and women — and that’s why Bumble has become the official dating app for feminists everywhere.

23. Hinge

Last but not least, Hinge is a quality-driven dating app that has put its own unique twist on swiping. The Hinge dating profile includes six photos and three personal prompts, and a user must like or comment on a prompt or photo to initiate a match. All communication between mutual matches is free.

Hinge’s matchmaking system is in place to ensure users are not blindly swiping on each other. Instead, they are asking questions, making jokes, and inviting conversations about personal interests and opinions.

Hinge offers a free membership that includes chatting abilities.

The Hinge team designed the app with the motto “designed to be deleted” as a reminder that their goal isn’t to trap singles in an endless swiping carousel. Hinge endeavors to spark real relationships that satisfies a person’s dating needs for life.

What is a Prepaid Card?

A prepaid card is similar to a debit card in how it works, but the difference is a debit card is linked to a bank account whereas a prepaid card is not. A prepaid card only has access to the preloaded funds a person puts into it. Think of it like a gift card that can be used for virtually any store or service. Prepaid cards can be helpful budgeting tools that automatically restrict spending and keep finances on track.

How Do Prepaid Cards on Dating Sites Work?

Paying for an online dating subscription with a prepaid card is about the same as paying with a debit card or credit card. You go through the checkout process and input the card number and payment details where required. If you don’t see a checkbox for a prepaid Visa, go ahead and click the debit card option.

Once you’ve filled out the drop-down sections, complete your payment. As long as you have enough funds in your prepaid card, there should not be an issue. However, you should know that some dating sites will save the payment information and automatically charge it for a subscription renewal. You can usually go into your settings to turn off the auto-renewal option or cancel before payment is taken.

Are Paid Dating Sites Better Than Free Dating Sites?

The benefit of free dating sites is obvious. They don’t cost any money! You can mix and mingle on the platform for free and save your hard-earned cash for splurges on a Walmart moneycard or iTunes gift card. The downside of using a free service is it doesn’t typically have all the bells and whistles of a paid dating site, so it may take longer or require more effort to meet a compatible date.

Paid dating sites can offer matchmaking technology, video chat features, the ability to see your profile likes, and other premium features to make online dating easier and more engaging. Some paid memberships include a Passport feature, which means users can swipe outside their city or region.

Paid dating sites can offer a higher quality user base and greater online security.

Generally speaking, paid dating sites tend to attract more serious and mature singles who are willing to invest in online dating and do whatever it takes to pursue potential love interests. That kind of commitment can speak to a person’s character, and it’s a big step up from the crowd of casual and flaky singles swiping and chatting for free.

How Do Dating Sites & Apps Protect Personal Information?

Dating sites and apps tap into a private corner of a single person’s life, and a lot of behind-the-scenes work goes into making the experience the best it can be. Robust encryption keeps the user’s payment information from falling into the wrong hands. Plus, a legit dating website will have a comprehensive profile verification system based on technology trends and cybersecurity expertise.

Some dating sites verify profiles through Facebook or Apple ID. Some have two-factor or three-factor authentication systems. Look through the terms of service webpage to see what kind of security measures you can expect.

Of course, singles should take it upon themselves to put their privacy first when creating a dating profile. That means keeping certain personal details to themselves. Singles should use their best judgment when creating a profile or chatting with an online match. For example, it’s never a good idea to share a home address or a Social Security number with strangers on the web, but disclosing a first and last name is fairly harmless. It is also often necessary to provide some form of contact information (as in, a phone number, email address, or social media handle) to build a real relationship online.

Is Online Dating Safe?

Meeting a stranger online is about as safe as meeting a stranger in person. But, when you’re online, you have the benefit of a computer or smartphone screen to keep you physically safe. Online daters have the opportunity to vet a potential date through text and video chat features, so it can actually be safer than randomly hooking up with a stranger at a bar or nightclub.

Singles should be aware of the warning signs of an online dating scam. A dating profile without a photo or much personal information can indicate that person may not be legit. It’s easy for an individual to lie about themselves in a dating profile, but online dating sites are getting better at catching falsehoods regarding name, age, and some background details.

Still, it never hurts for online daters to exercise caution and treat each new love interest with a healthy amount of skepticism until trust has been earned.

Safety should always come first in online dating situations.

Never ever give money to a person you have only met online. Do not wire funds. Do not write a check. Do not send an egift card or cash. If a person asks you for money for any reason, it should raise alarm bells. Romance scammers will often start with a small ask — perhaps needing a loan for a family emergency or to pay for a dating site membership renewal — just to see if the potential mark will buy in.

It is never appropriate to give money to a person you’re trying to date. You are a potential love interest, not a bank or an ATM, so do not hesitate to block and report any person who crosses that line and tries to take advantage of you.

How Do I Choose the Best Dating Site?

The problem with dating site reviews is the online dating experience is going to vary widely based on a person’s age, occupation, gender identity, sexual orientation, confidence levels, and a host of other factors. Singles in big cities often complain of getting overwhelmed by too many matches on swiping apps like Tinder, but singles in more rural parts of the country may find only a handful of date options available.

Single professionals may not mind tapping their credit card for a premium dating service like EliteSingles or The League, but singles who are retired or in school often prefer to use a free dating site that won’t ask for their hard-earned cash.

Our experts have actually ranked dating sites by interest to help different types of single people find their niche space and get into the digital dating groove.

Can I Buy a Gift Card for a Dating Site or App?

Probably not. Most dating sites and apps do not have gift card options. Some do, but it’s pretty rare — and for good reason. A dating site gift card can pose a security risk because it presents an opportunity for a scammer to take advantage of the dating network. By using a gift card funded by a mark, a romance scammer can avoid the identity verification process that naturally comes with providing payment details.

Asking for money is one of the biggest red flags in the online dating world, and dating platforms have largely done away with tokens, virtual gifts, and gift card payments to deter any unsavory and potentially harmful behavior.

Most dating sites and apps do not offer an egift card option as a payment method.

It’s much safer to use Venmo or Paypal to fund a friend or family member’s online dating account. Under no circumstances should you give money to a stranger you met on a dating site or app. Even if the person says his or her membership is about to expire. Exchange contact information to keep the conversation going, or ask yourself why the person can’t afford a subscription and needs to rely on a perfect stranger for help.

You Don’t Need Perfect Credit to Enjoy Online Dating

Singles who are privacy-conscious or budget-conscious may want to consider using dating sites that accept prepaid cards. It’s an easy way to purchase online services without having the details of every transaction appear on a bank account statement.

Dating Sites That Accept Paypal Payment

A prepaid credit card can be useful for making a direct deposit to an online dating website. It’s a one-time, pre-loaded payment method that is both simple and secure. The prepaid card isn’t connected to anything except the funds it holds, so it can be used to make an anonymous purchase and cancel an automated reenrollment.

Remember, you’re under no obligation to provide a credit card number to an online dating service, and you can start with a free membership to see if it’s worth upgrading. Don’t rush into anything!

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