When you save a credit or debit card to your Google Account, you may be able to turn on a virtual card number. Virtual card numbers can be shared with merchants for online or in-app transactions to keep your actual card number info more secure.
Virtual cards are a safer way to pay online or in-app. When you use a virtual card to make a purchase, the app replaces your physical card number with a unique virtual card number. When you check out, the virtual number hides your personal payment details and helps to protect you against fraud.
Tip: The virtual card number, expiration date, and CVC may be different from your physical card. For added security, some card issuers change your virtual card number or CVC for different merchants or transactions.
Virtual cards also known as digital cards or e-cards have become increasingly popular in recent years as more people do their shopping and banking online. A virtual card is a digital representation of your physical credit or debit card that can be used to make purchases online, in apps, or at contactless terminals. The main benefits of using a virtual card are enhanced security, easy management of spending, and convenience. But how do you actually get one of these virtual cards? Here is a step-by-step guide on applying for and setting up a virtual card.
Check If Your Card Issuer Offers Virtual Cards
The first step is to contact your bank or credit card issuer and ask if they offer virtual card services. Many major issuers such as Capital One Chase Citi and American Express now provide virtual card options, but availability can vary depending on your specific card and location. For example, Capital One currently offers virtual card numbers for all personal credit cards and some business cards in the United States. Virtual debit cards may also be available. Check your card issuer’s website or call their customer service line to see if your card is eligible.
Enable the Virtual Card Feature
If your card qualifies, the next step is to enable the virtual card feature. The process will differ slightly depending on your card issuer, but generally it involves logging into your online account and toggling on the virtual card option for your card. For Capital One cards, for example, you would log into your account on the Capital One website or mobile app, go to your selected credit card account, and turn on the virtual card switch. Make sure to also enable any additional identity verification requirements if prompted, such as fingerprint or facial recognition.
Generate the Virtual Card Details
Once enabled, you can view and generate your new virtual card details within your online account. The virtual card number, expiration date, and security code will be different from your physical card details. You may have the option to create multiple virtual card numbers for different purposes, all linked back to your real account. Take note of the virtual card specifics so you can use it for online purchases.
Add Virtual Card to Digital Wallets
For easy access, you’ll want to add your new virtual card number to digital wallet apps like Apple Pay, Google Pay, or Samsung Pay. This will allow you to use your virtual card for contactless in-store payments as well. Open the wallet app, select to add a new card, and enter your virtual card details when prompted. Your digital wallet will now display your virtual card for payments.
Start Using the Virtual Card Online
With your virtual card number saved and accessible, you’re all set to start using it online and in apps! When checking out on websites or in-app, simply choose your new virtual card number as the payment method rather than your real card number. The transaction will still pull funds from your real account. You can also utilize the virtual card’s security features like temporarily freezing the card when not in use.
Tips for Managing Your Virtual Card
Here are some additional pointers for getting the most out of your new virtual credit or debit card:
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Check your card issuer’s website or app to view virtual card transactions, toggle card on/off, and update limits.
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Use different virtual card numbers for different types of merchants or subscriptions for easy tracking.
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Virtual cards expire on a rolling basis, so update the details if your digital wallet card is declined.
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Contact your card issuer if your physical card is lost/stolen to deactivate associated virtual cards.
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Save virtual card receipts containing the last 4 digits for returns that require the digital number.
Applying for and setting up a virtual card is quick and straightforward with most major credit card issuers and banks now offering these digital card services. Follow the steps above to enable the feature on your existing card, view the virtual details, save it into a digital wallet, and start using your new virtual card to shop online with enhanced security and control.
Why am I asked to verify my identity?
Each time you use a virtual card to make a purchase, your bank and card network check if your transaction is secure.
This process may ask you to verify your identity. To continue, you may need to:
- Unlock your phone.
- Provide a code.
- Enter a card security code (CSC).
- Use another method.
If I lose my card, can someone create virtual cards with it? They might be able to. Report your missing card to your bank or card issuer. Any virtual cards created or used after your card went missing are deactivated.
To make a return, or pick up an item in store that you bought with a virtual card, you may have to find the last 4 digits of your virtual card number. The last 4 digits of your virtual card are different from your physical card. To find the virtual card number, refer to the receipt from the merchant or go to your card issuer website. If neither of these have the last 4 digits you can contact your bank for support.
What is a VIRTUAL CREDIT CARD? (how to create & use them safely)
FAQ
How do you get a virtual card?
When you save a credit or debit card to your Google Account, you may be able to turn on a virtual card number. Virtual card numbers can be shared with merchants for online or in-app transactions to keep your actual card number info more secure. This feature is currently available for eligible cards in the US only.
Can I get a virtual credit card instantly?
How do I get a virtual access card?
- Launch the AccessMore app and click on ‘Cheques and Cards’
- Select ‘Create New Card’
- Choose the ‘Virtual card’ type.
- Get an issuance fee.
- Swipe to select a preferred card colour.
- Order your card and start using it.
How do I get a virtual one card?
How TO GET YOUR Virtual ONEcard. You must be registered for at least one class before you can receive a virtual ONEcard. Upload your photo to be used on your ONEcard (you don’t need to do this if you already have a ONEcard). Download the TouchNet 360u app on your Apple or Android phone.