A virtual Visa Virtual credit card can only be used for payments in the global network. With its help, you can make purchases of goods on various sites, book tickets and hotel rooms, and also pay for it on foreign resources, where domestic credit cards are not accepted for payment. In addition, the use of such a card is the safest, since it cannot be stolen, and fraudsters will not be able to withdraw more funds from it than there is on the account.
How do I get a virtual credit card?
A virtual credit card is necessary if you plan to repeatedly pay to it on the Internet, it is completely inappropriate to issue it for the sake of one online purchase.
To buy a virtual card, you just need to enter the corresponding request in the search bar and select the appropriate bank from the list provided. It should be noted that the cost of virtual plastic can exceed its face value, for example, a $ 20 card can cost you $ 25.
To apply for a Visa Virtual card, you must submit an application to the selected bank, providing an identity document and paying all accompanying fees. You also need to decide in advance on the currency of the account - it is best to choose the one in which you plan to make most of the calculations. After submitting your application, you will be given a virtual card. True, it will not be plastic, but just a 16-digit number and a CVV-code, which consists of three digits and is necessary for the safety of online payments. You determine the card limit yourself, by depositing the amount required for settlements.
Some details
The validity period of a Visa Virtual card is slightly different from the validity period of a regular bank card and is, as a rule, 3-12 months. The cost of servicing a virtual credit card will depend on the amount of funds that will pass through this account and the number of connected services - on average, this amount ranges from $ 5 to $ 10. It is better to replenish the virtual card account one day before making a purchase. This can be done through an ATM, Internet bank or through the cashier of the bank that opened your account.
How do I use my Visa Virtual card?
After you have decided on the purchase, you need to click on the "pay" button and in the form that appears, fill in the necessary details - the name of the card holder, its validity period, number and CVV-code. After confirming the debit transaction, the purchase amount will be blocked and debited from the account within two business days. In order to avoid overspending and not exceed the available limit, it is better to connect the Internet banking service and SMS informing. The only drawback of a virtual Visa Virtual card is that you will not be able to credit it with money for the returned goods, for this you will have to go to the bank branch again to get a new card.
