Virtual Credit Card Number: Everything You Need to Know
Global Payment
A virtual credit card number is a randomly generated set of digits issued by your credit card provider and linked to your credit card account. It allows you to shop online without sharing your actual card number with merchants.
With a virtual credit card number, you can enjoy faster and more convenient online shopping without relying on a physical card. Learn how virtual credit card numbers work and how they enhance the security of your account information.
How Do I Get a Virtual Credit Card Number?
Getting a virtual credit card number is a simple process designed for speed and convenience:
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Contact Your Bank or Credit Card Provider: Many major banks and financial institutions offer virtual credit card services to their existing customers.
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Sign Up with a Third-Party Provider: Fintech companies like PhotonPay provide virtual credit cards for business needs.
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Use a Digital Wallet App: Some platforms, like Apple Pay or Google Pay, also allow you to generate virtual credit card numbers for added security during transactions.
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Complete Verification: After applying, you'll typically need to verify your identity or link your existing account.
Once approved, your virtual credit card number can be instantly generated for immediate use in online shopping or subscription services.
Can You Create a Digital Credit Card?
Yes, creating a digital credit card is possible through various platforms:
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Banks and Credit Card Providers: Many issuers allow you to generate digital versions of your physical cards for temporary or recurring transactions.
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Third-Party Services: Platforms like PhotonPay offer customizable digital cards, especially useful for businesses to manage multiple employees' spending.
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Benefits of Creating a Digital Card:
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Avoid sharing your physical card details online.
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Temporary or one-time-use digital cards prevent fraudulent activity.
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Easy to manage through dedicated apps or online platforms.
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Digital credit cards are becoming an essential tool for both individuals and organizations to enhance their online payment security.
Do Virtual Cards Have CVV?
Yes, virtual cards come with a CVV (Card Verification Value), just like physical credit cards. Here’s what you need to know:
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Purpose of CVV: It adds an extra layer of security for online transactions, ensuring that only the cardholder can use the card.
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How It Works: Virtual card CVVs are typically displayed in your card details within your bank’s app or the provider’s platform.
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Temporary CVVs: Some virtual cards use a dynamic CVV that changes periodically to maximize security.
Virtual cards with CVVs combine convenience with robust security, making them a preferred option for online payments.
PhotonPay Card: Multi-currency business cards
PhotonPay Card is a multi-currency card jointly launched by PhotonPay and renowned international card networks and issuers. It covers all online and offline consumption scenarios through Mastercard / Discover® Global Network. With PhotonPay Card, businesses can spend for Media Buying, OTAs, B2B Procurement, Supply Chain Management, Freelancing and more. PhotonPay Card empowers enterprises to complete global payments efficiently and cost-effectively.
Pay Directly
Connect to PhotonPay's Global Accounts, spend as much as the balance has. *Subject to transactions/balance limits.
Expense Management
Create unique policies for each spend limit, and give more control over every transaction.
Smart Reconciliation
Automates transaction records, spend alerts, approval reminders, expense reports, and more.
Secure and Compliant
PCI-DSS Level 1 certification and 3DS 2.0 authentication ensure every transaction.
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