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Gift cards for shopping from Bermuda

A shopper in Hamilton uses gift cards to buy from US and UK merchants that will ship to the island but will not bill it.

Spend anywhere · Hamilton, Bermuda · Bidali One, Mobile app

Names and details are representative of how Bidali is used.

Colourful buildings and a harbour in Hamilton, Bermuda, under a blue sky

At a glance

People live on the island
60,000
Retailers back within reach
US and UK
Fees than card processing and FX
Lower

Challenge

Most of what a household in Bermuda needs is bought online, then shipped. But at checkout the card is refused. Many US and UK merchants use payment companies that do not support a Bermuda billing address, even though the same merchant will ship to the island.

When a card does go through, the processing and currency conversion fees add up. Some shoppers give up on the order. Others ask a friend abroad to buy for them.

Solution

Our shopper now buys a gift card for the merchant first, then uses it at checkout. The gift card is paid for up front, so the merchant’s billing check is never the obstacle. The order ships to the island as usual.

She picks the brand in the Bidali app, sees the price in her own currency and pays once.

Outcome

Orders that used to fail now go through, and she pays less in processing and conversion fees. The couch, the school supplies and the odd birthday gift all arrive without a friend abroad in the middle.

Bermuda is not alone. People across Latin America and other places that payment companies do not support for billing shop online the same way.

“The merchant would ship to me but would not take my card. A gift card fixes that in a minute.”

Shopper, Hamilton, Bermuda

Bidali ran a digital currency pilot in Bermuda in 2020. Read our recap of that trip. Bidali in Bermuda, 2020

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Frequently asked questions

Many payment systems do not support billing addresses in every country, so a card can be declined even when the merchant is happy to ship to you. A gift card for the merchant is paid for before checkout, so that billing check is not involved.

No. Shoppers across Latin America and other places that payment companies do not support for billing run into the same thing, which is why gift cards are widely used there for online shopping.

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