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Specific card issuers, however, may restrict such purchases. Run your finger over the face of a typical credit or debit card. Your name, account number, card expiration date and other information are embossed -- that is, raised -- because, in the days before instant online transactions, merchants collected card information by taking a physical imprint.

Using a device nicknamed a "knuckle-buster" (if you've ever used one, you know why), they pressed the card against a carbon-paper form, which transferred the information onto the slip used to submit the charge for payment.

He has contributed to USA Today, The Des Moines Register and Better Homes and Gardens"publications.

Merritt has a journalism degree from Drake University and is pursuing an MBA from the University of Iowa.

Most modern merchants will only do it when they're forced to, such as when the processing terminals aren't working.

They'll take the card information, make the sale, cross their fingers and hope that when they submit the charge later, it will be authorized.

The popular social media and communication app Snap Chat last year released a facility within the app that allows users to forward and receive money with the tap of a button.

This new functionality is called ‘Snap Cash’ Many other companies provide online facilities to transfer money however this one specifically works within the Snap Chat app which is enormously popular with children and teenagers.

Many online dating sites claim to be free, and then surprise you with charges for features such as emailing, chat.

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When credit cards started to come in the mass use in the 1960s, there was no instant authorization.

A merchant took down the information printed on the card and submitted the sale for payment as part of a batch of physical charge slips, often at the end of the day. Some merchants still handle their card transactions this way.

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