Where Can I Use A Virtual Visa Card
You can use a virtual Visa card for card-not-present purchases at merchants and apps that accept Visa. Furthermore, you can use Visa Click to Pay for an online and in-app virtual card payment anywhere the Click to Pay icon is displayed.
Virtual Visa cards can be used anywhere the Visa Click to Pay icon is displayed.
Certain digital wallet apps, including Apple Pay and Google Pay, allow you to register Visa cards and then use the wallets in brick-and-mortar stores equipped with NFC card terminals.
Virtual Credit Cards Faq
Where Can Virtual Credit Cards Be Used?
Your virtual credit cards can be used for online purchases with any Canada and international online retailers that accept such payment method.
Why Is It Called Virtual?
The virtual card can only be used where a card is not required to be physically presented to the merchant.
Can I Use My Virtual Credit Cards As The Normal Credit Card?
The virtual credit card reference card does not have a magnetic stripe or pin or chip and cannot be used at ATM or store. It can only be used for online transactions.
Can I Use Virtual Credit Cards For Purchases Other Than Online Purchases?
Yes. Your virtual credit cards can be used for telephone and mail order purchases.
What Information Does My Virtual Credit Card Contain?
The information on your virtual card is all you need for online, phone, or mail order payments. They are:
- Your virtual credit cards number
- The validity or expiry date
- The name of the account holder.
Virtual credit cards are meant to give you some level of financial security and rest of mind when making online payments, but they can only be used for online shopping.
Blue Card Virtual Prepaid Visa Usd
The card is a Visa brand which is issued by ezzocard. It relies on the dollars as the main currency. When buying it, you can use any billing address in any country. It doesnât matter where you live, as this is a global card.
Moreover, you can change your details if you find it necessary. All this happens online using an app. Also, you can pay for goods and services worldwide in any currency for convenience. It is a suitable card for automatic payments.
The term of validity for the card is one year from the date of issue. The period of use ranges between 10-12 months. Furthermore, there is no monthly fee. Select different denominations from 5 to 900 USD, whichever is appropriate for you. See more.
Don’t Miss: Is Consolidating Debt Bad For Your Credit
How Can A Consumer Get A Virtual Card Number
For consumers, virtual card numbers can be generated with existing credit card accounts. If you have a credit card, you might have access to a virtual card number, so log into your online account and search for Virtual Card Number or Virtual Account Number.
Single- or multi-use virtual card numbers can be used to prevent fraud. Citi Virtual Account Numbers, Wells Fargo Digital Wallet, and Click To Pay from Visa, MasterCard and American Express are examples of single- or multi-use virtual card numbers. Single-use cards can be used for a one-time purchase with an online merchant or to withdraw cash at an ATM. Multi-use cards can be used as a dedicated payment method to a frequent vendor or merchant with whom you do business, enabling better experience tracking and enhanced privacy.
With Citi, for example, the VIrtual Account Number portal will launch, enabling you to create your virtual card number. First, choose which Citi account for which you want to create the virtual card number. Second, define any advanced settings, including the expiration date and spending limit of the virtual card number. Third, create the virtual card number and delete it when it is no longer needed.
How Does A Virtual Card Work
In simple terms, people with access to virtual cards get to the “checkout” step of an online payment. Then, instead of pulling the company card out and typing in the details, they copy/paste in their virtual card’s information.
- Subscriptions and subscription renewals of all types of SaaS software
- Expenses relating to business trips hotel stays, train and plane tickets
- Occasional expenses office supplies and miscellaneous supplies, event participation fees etc.
Basically, if you’re paying online, you should be able to do it with a virtual card.
This is different from your average credit card. From MoneyUnder30, “a VCCs usefulness lies in the way that it shares card data. The physical data printed on your card are always the same and, accordingly, are subject to storage and misuse by hackers.
“Virtual credit cards provide online retailers with dynamic information so that every time you pay using a virtual credit card, the verification data is different.”
Citi Diamond Preferred Card
With Citi Diamond Preferred Card, you will not get rewards. However, you will get the longest 0% introductory APRs of 12 months in the market. Moreover, you will as well get some useful benefits like a concierge service and shopping protections.
The regular balance transfer APR is 13.74% â 23.74%, which is variable. The balance transfer fee is 5% of each balance transfer. The minimum transfer is $5 minimum. Above all, you will get free access to your FICO scores online. See more.
What Are The Drawbacks Of Virtual Credit Cards
Because virtual credit cards are designed for online and other card-not-present transactions, there are some situations in which using a virtual number could backfire.
If you have to return something, for instance, a retailer might require the refund be placed on the same account number that was used to make the purchase. If your disposable card number has already expired, you may be forced to get store credit instead.
You could also run into a snag if a merchant requires verification of your account information. For example, let’s say you use a disposable card number to make an online reservation for a rental car or hotel room. When you show up, the company may require you to pay with the same card used to make the reservation. But since the virtual number is different from your actual card number, you could have trouble verifying they’re tied to the same account.
Also Check: How To Check Debit Visa Gift Card Balance
Require Authorization For Certain Payments
Suppose you want to give employees autonomy and flexibility, but only up to a point. In this case, it’s nice to give them access to virtual cards, but with certain conditions or limits in place.
The most simple option is just to require authorization before the payment can go through. The team member sets up the payment, creates the card, and then you get a notification to approve it before it can be executed. Good tools let you do this through the central dashboard, and you can give this authority to team leaders and managers.
These same tools also let you add more customisation. For example, your Head of Sales may be authorized to spend up to £150 without approval, whereas a regular salesperson may only have access to £100. And in either case, if they want to go over these limits, they’ll need someone higher up to confirm.
Not all virtual credit cards give you these options, so it’s important that you ask around and find one that does.
How Can You Get A Virtual Credit Card
Various banks, such as Citibank and the Bank of America, offer virtual payment cards. You can check at your bank and get one. Most issuers will charge you nothing to issue the card.
Moreover, you can get the card from a third party agent. If you have a bank account and an ordinary credit card, you can get a virtual credit card that depends on your regular credit account. In short, what you spend with the virtual card reflects in the usual card account. The logic is simple. You can buy a virtual card online just as you can buy gift cards online with a checking account.
One Advantage of a virtual card is that you get it within a short time. It is instantaneous. Regular credit cards may take several days before they are ready.
Also Check: Synchrony Gas Card
How Does The Donotpay Free Trial Card Work
Our virtual card works like any other VCC except that you dont have to link it to an existing bank account or an actual credit card. The app generates a card number that you can use to sign up for various free trials.
The good news is that you can use any address, name, or expiration date provided by the app. This includes U.S. billing addresses, which allows you to unlock free trials reserved for U.S. residents.
Another excellent feature is that it generates a random email address that protects you from endless promotional and advertising material providers tend to spam you with. The emails will be forwarded to your actual email address, so you can receive the information from the provider. Once the trial is over, the communication will be disconnected.
How Do I Get A Virtual Credit Card
A virtual credit card provider will issue you a virtual credit card number upon request.
This usually applies when youve been newly approved for a card and you want a temporary card number until the physical credit card arrives, although Citi offers virtual card numbers that dont expire until you request it. Getting a virtual number requires either speaking to a customer rep or making an online request.
Digital wallets are apps that hold information about one or more credit cards . You register your credit cards with a digital wallet ahead of time or, in some cases, when you are making a purchase. Once registered, you can use the mobile wallet to provide a virtual card number for purchase transactions.
A digital wallets virtual card number features works with participating merchants and is generally available for online purchases. Some wallets can also be used for in-app and/or in-store purchases.
Digital wallets are increasingly being accepted in store checkout lines and mobile apps.
Read Also: Citibank My Best Buy Credit Card
Green Card Virtual Prepaid Visa
The card is issued by ezzocard, and it relies on the USD as the main currency. You can use any billing address in any country of the world. Moreover, you may change personal details if you need a new look.
You can pay for anything worldwide in any currency using this card. It is suitable for automatic payments. The term of validity for the card is six months from the date you get it. The period of use is 4-6 months.
With this card, you pay no monthly fee. Furthermore, you can get card denominations from 20 to 900 USD. You have to choose, depending on your financial capability and what you want to purchase. See more.
Citi Virtual Account Numbers
Citi offers virtual account numbers for select cards through a web-based tool or a downloadable program for PCs. With Citis tool you can generate virtual account numbers with dollar limits and set expiration dates.
You can also view individual virtual account number information, including purchases made with virtual account numbers. Like the others, you can also close individual virtual account numbers with this tool from Citi.
Note that Citi virtual account numbers can only be used for online and mail order transactions.
Can You Finance Other Transactions Or Payments That You Haven’t Made With The Virtual Credit Card
Yes, you can finance any payment of 30 or more charged to your current account associated with your Virtual Credit Card. The money will be transferred instantly to the account and will be deducted from the amount of your Virtual Credit Card limit available. Choose the terms to pay it over: from 2 to 36 months. You can defer payments from the last 3 months shown in the list of transactions with the option ‘Finance your payment’ on the website or app.
The applicable monthly interest rate is 1.17% monthly NIR, 14.00% annual NIR .
Representative example for a financed payment on account of 1,000 made on 1st of the month, with the regular payment option and 12 fixed monthly instalments, on the assumption that there are no further drawdowns during that period or any breach of the terms and conditions of the agreement: 14.00% annual NIR 14.93% APR 11 instalments of 89.79 and a final instalment of 89.77. Total amount of credit: 1,000. Total amount owed: 1,077.46. Total cost of credit: 77.46. The APR and the total amount to be paid are calculated on the assumption that the agreement will remain in force for the entire term and that the parties will meet their obligations under the agreed terms and conditions and repayment deadlines. Therefore, for this specific example, the cash purchase price would be 1,000 and the total amount to be repaid in instalments would be 1,077.46.
The Pros And Cons Of A Us Virtual Credit Card
As great as they are when it comes to safety and privacy, virtual credit cards are not suitable for every type of payment or merchant. You can use it with any online retailer, but when a physical card is required, VCC wont do the trick.
You should pay special attention to the following:
- Purchase of airline ticketsSome airliners require a credit card used for the purchase as proof of identification
- Buying goods that you may want to returnSome retailers will require the same card for the refund and for the purchase, so check with your VCC if that is possible
What is excellent about virtual credit cards is that they allow you to set specific limits to the online and telephone purchases, so you can control how much you spend and where. Even though they are usually designed as one-time tokens, some VCCs can be used again. This is what you can do:
These features are useful if you want to set limitations on your purchases, or if you are sharing an account with another person.
Pros of VCCs
You May Like: Uplift Allegiant
How Can I Use A Virtual Credit Card
A virtual credit card is useful for the following transaction activities.
- Buy goods and services online. You can shop online at online stores such as Amazon, Walmart, and eBay using the card. You can also pay air tickets and hotel rooms.
- Recharge gift cards and prepaid cards. Using your virtual credit card, you can top up money to other cards such as prepaid cards and gift cards.
What Are The Benefits Of Virtual Card Numbers
Simply put, virtual card numbers can make online shopping easier and more secure.
They add another layer of protection to your credit card account in case a site where your credit card number is stored is ever compromised. And they can give you extra confidence if youâre making a purchase at a website you havenât used before. So you know if something does happen, your actual card number is protected.
And instead of reentering your actual card number each time you check out, you can use virtual card numbers to auto-fill payment information to save you time.
Read Also: Where Can I Use My Valero Credit Card
What Are Virtual Credit Card Generators
A credit card generator is a piece of software that uses predetermined patterns to create credit card numbers. The principle is the same with both plastic and virtual cards. The pattern for the creation of these numbers is established through a mathematical formula. Even fake card numbers have to follow the pattern to be verifiable.
The same software can generate real credit card numbers, virtual credit card numbers, and fake card numbers. The difference is that real cards, both plastic and virtual, are linked to a bank account while the fake card number is not connected to any actual source of funds.
The verification test that credit cards must pass uses the Luhn Algorithm to establish whether their number is correct. That is why even the fake card numbers can pass the validity test. The financial transaction is an entirely different process, and fake credit cards cannot be used to purchase goods or services.
Domain Purchasing Hosting Servers
All services that provide hosting, sell domains or servers accept, as a rule, only payments by credit cards. Even if PayPal is mentioned among payment methods, it implies that the customer can use this option only with a bankcard linked to a PayPal account.However, Ezzocard prepaid cards give you the opportunity to buy a domain, get a hosting or a VPS either by paying directly or by linking the card to your PayPal account and confirming it.Ezzocard VCCs have been successfully operating at such web-platforms as Namecheap, Hostgator, GoDaddy, Leaseweb, SG-Hosting, Ionos, Porkbun, Inmotionhosting, Tmdhosting, Name, Moniker, Hostinger, Tonic.to, Insta, Reencloudvps, Hostwinds, Internetbs, Hugedomains.com
Blue Visa cards:direct payments / payments via PayPal Green Visa cards: direct payments / payments via PayPal Brown Mastercard cards: direct payments / payments via PayPalBlack cards: direct payments / payments via PayPal
- Hosting providers may decline a payment in case your IP-address does not match your billing address. We recommend you use a VPN or a Proxy when registering and paying.
- Some websites may decline a direct card payment. If that happens, just link your card to PayPal, confirm it and make your settlement via this service.
Recommended Reading: How Do I Check My Cabela’s Credit Card Balance
Have As Many Cards As You Need
Some providers only give you access to one virtual card. It’s nice not to have to use your main company card to make payments, but you’re still sharing the same details out over and over again. This kind of defeats the purpose.
You want to be able to create new virtual cards for every payment you make. That way, if one of your cards is compromised , you only have to cancel that one virtual card. All your other payments are safe and secure – even the recurring ones.
And if somehow one of your cards goes over its limit, the same. It’ll only affect that one payment in question, and not all the others you may have ongoing.