15/11/2024, 15:16 Virtual Cards To Protect Your Payments | Virtual Payment Cards
Pricing & Plans What Are Virtual Cards? Support About Us BlogLog In Sign Up
What Are Virtual
Cards?
Virtual cards are automatically
generated 16-digit card numbers
that can be generated instantly. By
using a Privacy Card for online
transactions, you can keep your
financial information safe from
prying eyes.
Get Privacy Now
Overview of Virtual Cards
Virtual cards allow you to minimize the amount of personally identifiable
information (PII) you share with places you buy at. Historically, virtual cards
provided by banks have been difficult and clunky to transact with; however,
new providers have made virtual cards simple and easy to use. We believe
virtual credit cards and virtual debit cards are now valuable tools in
protecting your privacy and security without compromising convenience.
What is a virtual card?
A virtual card, sometimes called a temporary card number or anonymous
Support
card number, is a credit or debit card number that can be created through a
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website or mobile app, and does not come with a physical card. Virtual cards
can be utilized for most online purchases to mask your personal and
financial information. Oftentimes, you can set a maximum spend or charge
limit on the virtual card to prevent yourself from being overcharged. Some
virtual cards will also lock to a merchant to prevent the card from being used
elsewhere if the merchant is breached.
How do virtual cards work?
A virtual card is a unique, 16-digit payment card number with a CVV and
expiration date that is created instantly through a website or mobile app.
Virtual cards function just like a credit or debit card but without the physical
card, and can be used for online shopping, over the phone purchases, or any
transaction that requires entering a card number.
Many users may think of virtual cards as burner cards that can be used for
quick, one-time purchases. However, Privacy's virtual cards offer more
enhanced security features and unlock more use cases than a simple burner
card.
With Privacy Cards, you can set maximum spend limits on virtual cards to
prevent being overcharged. Privacy Cards will also lock to a merchant to
prevent the card from being used elsewhere if the merchant is breached.
Lastly, Privacy's virtual cards can be paused or closed at any time, with just a
few clicks.
How can you get virtual cards online?
You may wonder how to get virtual cards from a company like [Link].
The entire process is handled online. This means you don't have to fill out
lengthy paper documents or go to a physical location in person. In addition,
no credit check is required to open or use a Privacy account. Signing up for a
virtual card service requires some personal information so that the virtual
card issuer can complete a mandatory verification procedure called Know
Your Customer (KYC) in accordance with anti-money laundering laws. You
can learn more about how to get started using Privacy Cards on our website
and blog.
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What kind of safety measures does a virtual
card provider take?
Safety and security are very important to virtual card providers (after all,
greater security is one of the main reasons users sign up for the service in
the first place). For Privacy specifically, we undergo rigorous internal and
third-party audits and hold ourselves to the same rigorous PCI-DSS
(Payment Card Industry Data Security Standard) requirements as your bank
or credit union.
How much do virtual cards cost and how do
virtual card companies make money?
Some virtual card providers charge fees for every card you create or a
monthly fee to use their service. Other virtual card providers may also
charge fees for each purchase made with the cards. In contrast, Privacy's
Personal plan is completely free to use on all domestic* purchases. We make
money off of interchange - the fee that the merchant pays for accepting a
debit or credit card - and we will never sell your personal data.
Who can use [Link] and how can I get
started generating virtual cards with
[Link]?
Privacy is currently available to US citizens or legal residents with a checking
account at a US bank or credit union, and who are 18+ years of age.
Unfortunately, we don't support international bank accounts or non-US
users at this time. To get started, you can sign up for an account through our
website or mobile app in as little as 3 minutes by providing some basic
personal information (name, date of birth, valid phone number, valid email
address, etc.) and securely linking a checking account for funding
transactions.
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Get Started in as Little as
Three Minutes
Our basic plan has no fees on domestic transactions* because, like
other card companies, we collect transaction fees from merchants.
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Pricing & Plans
* For users on the Privacy Personal plan, there are no fees on domestic transactions and
foreign transactions incur a 3% fee ($0.50 minimum). Users on our Pro and Premium plans
do not incur foreign transaction fees. Refer to your cardholder agreement for details.
The Privacy card is issued by Patriot Bank, N.A., pursuant to licenses from Mastercard®
International Incorporated and Visa U.S.A. Inc. and may be used everywhere Mastercard
and Visa are accepted. Mastercard is a registered trademark of Mastercard International.
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