The Best Virtual Credit/Debit Cards to Use in 2021
The Best Virtual Credit/Debit Cards to Use in 2021. When making payments online, you need to protect your personal information and money. Virtual credit and debit cards provide such kind of protection. They have gained popularity in recent years, especially with hackers revealing significant vulnerabilities in the traditional plastic credit and debit cards. So if you are ready to stop writing checks, or maybe you don’t even know how to write a check. Then digitally buckle up. Not only are we going to go beyond the check-writing era, but we will also be warp speeding past the typical plastic-only credit cards as well. Don’t get me wrong it is a good skill to know how to write a check. Also knowing which credit cards give you the best bang for the buck is good to know. But this article peeks into the future, virtual credit/debit cards.
What is a Virtual Credit/Debit Card?
Virtual cards are randomly generated card numbers that a person can use when doing online shopping. Virtual cards work so that you do not receive a plastic card but a number that acts as a card. The number has a security code and expiration date.
The virtual cards get linked to your actual credit cards but appear as independent payment methods. Unlike in most online transactions, paying with a virtual card will need you to re-enter your bank details every time you transact. It may be tiring, but it keeps you safe from hackers.
An online app generates the virtual cards, and they are usually a one-time numerical code that one will use in making a payment. The good thing with virtual cards is that they are not reusable, and the data does not get stored anywhere. The merchant does not have access to it either once the transaction is over.
The only communication between the merchant and your bank will be to verify the transaction, but the merchant does not see your bank details. It protects you if the merchant has ill intentions or is a victim of a hack, as it keeps your account invisible.
This article highlights the top virtual credit/debit cards with everything you need to know about them.
1.EzzoCard
Ezzocard is your ideal online shopping partner when dealing with prepaid virtual Visa and Mastercard. It uses a premium automated service that works hand in hand with excellent delivery, providing security and satisfaction on online transactions worldwide.
Apart from being a virtual card, EzzoCard also functions as an international virtual visa gift card. Payment for an EzzoCard is anonymous via cryptocurrency, WebMoney, PerfectMoney, and other methods. It also does not require any verification checks.
You can use the USD card you receive for 6 to 12 months (Green Card and Blue Card). Once you register the card the first time, you can use it to make payments online from any part of the world. Logging in through your card number allows you to update your address if you travel.
The virtual cards issued by EzzoCard support AVS (Adress Verification Service), and you can use them with any international or U.S. address. For Canadian cards, ensure you enter the correct billing address because they only work with a Canadian address.
You cannot load the virtual visa card, but you can purchase in various denominations. The good thing is that you can use EzzoCard as a virtual gift card, making shopping easier. Generally, you can use it anywhere where they accept Visa and Mastercard.
2. Blur
Blur is also known as Masked Card. You can use the Blur virtual card for personal expenditure, but it offers its services only in the United States, to U.S. residents alone, and only to merchants in the U.S.
With Blur, you can have your payments, passwords, and bank information protected from hackers and other cybercriminals. You only register online with the details they require, and Blur keeps all your information private while you are shopping online.
The best part of using Blur is that it can help you identify any theft attempts and block secret trackers and data collection. For every online purchase you make, Blur generates a new credit card number. Blur keeps your password encrypted, providing additional security.
3. U.S. Unlocked
With U.S. Unlocked, you can shop online from U.S. stores while anywhere in the world. The only thing is that you need to provide a U.S. billing address. U.S. Unlocked issues two types of virtual cards; Merchant specific cards and one-time-use cards.
A merchant-specific card is usually tied to the particular store in the U.S. store you first use it. For one-time use cards, they close two minutes after the first use. You can use one-time cards to shop from websites you have no plans of shopping from again.
You can load your U.S. Unlocked card via local bank transfers like ACH, Sofort, Boleto, and many others. Using your U.S. Unlocked card may need you to pay a $0.5 fee on every transaction.
4.Netspend
Netspend allows you to generate up to six virtual account numbers that you can use for online transactions. With Netspend, you can take it further and customize your card with a unique image or photo.
Once you log in to the online account center, you can generate a virtual code that you can use for a particular purchase. The good thing is that you get to cancel the virtual number once you are through with the transaction.
Netspend allows you to register for a free trial in case you are not sure about the service. With the trial, you can generate a virtual account number and cancel it before the service starts charging you.
The good thing with Netspend is that you can use the cards anywhere across the United States. It also offers protection to your card even if someone uses your card.
5. EcoVirtualcard by EcoPayz
EcoPayz designs the Eco Virtual Card, which facilitates safe and on-time online payments. Creating an ecoVirtualcard is simple as you only need to login and select the ecoViirtualcard section. Once you successfully make a payment, the card gets automatically canceled.
Cancellation of the card provides security to your bank details as nobody can access the details. If you need to buy other products, you will create another ecoVirtuacard and continue shopping.
Eco Virtual Card is compatible with a variety of currencies, including USD, GBP, and Euro. An advantage the card has over other cards is that it is accepted everywhere where Mastercard is accepted.
Note that before you can apply for an ecoVirtualcard, you need first to upgrade your account to Silver ecoAccount. EcoPayz is among the readily accepted virtual payment methods worldwide. It ensures the security of your bank details by only issuing one-time virtual payment codes.
6. Payoneer
Payoneer is a pocket-friendly virtual payment card for your online shopping. It issues you with a virtual Mastercard that can access services available only in the American online market. It only charges an annual fee of $29.95, enabling you to access many U.S. online shopping platforms.
With the Payoneer virtual card, you can also purchase several additional virtual cards, enabling you to shop worldwide. It links to your bank directly, making it easy to add money to your virtual card. The advantage is that It ensures your bank details’ security as it does not disclose it to the merchant when you are shopping.
7. American Express Go
Many freelancers, retailers, and many other people making payments online use American Express Go to make their payments. It is a flexible and easy-to-use method of payment for your corporate virtual card needs.
American Express Go has several advantages. One of them is that creation of a virtual card is easy. It also helps you to track all the transactions since they are consolidated in one bill. Also, you can co troll expenditure as you can set time frames and spending limits.
8. Walmart Moneycard
Walmart Moneycard enables you to make payments virtually, without providing your details to the merchant. You can use the virtual card anywhere to make online purchases. Walmart has a good reputation after winning the hearts of consumers with its to-notch delivery services.
When registering, you can add up to four people to the application. It gives you the chance to send money and track expenditure.
The virtual card has two outstanding features. They are; a two percent interest annual percentage yield that can go up to $1000 and a cashback at Walmart, which can go up to 75% per annum.
9. Dreamweaver VCC
Dreamweaver VCC is a virtual credit card that that verifies PayPal payments. With Dreamweaver VCC, you can sort out items based on rating, prices, and popularity. The registration process is simple, without the need to fill in complex details that may not be useful for your financial transactions online.
Dreamweaver VCC receives payments quickly, without complicating anything. It also guarantees quick delivery of cards once you apply. The online platform is user-friendly, giving you an easy ie to navigate and browse the cards on the website.
With Dreamweaver VCC, your bank information remains private, and no third parties can gain access to it. It guarantees you safety when carrying out transactions online.
10. Brex
The promoters of Brex dubbed it the most innovative corporate credit card. It does not require you to pay any annual fees. You can integrate your Brex card with online financial systems like Xero, Quickbooks, Expensify, and many other options.
Brex manages your cash, and you can easily apply for a virtual credit card. Once you have the virtual card, you can instantly start using it. It protects your bank account by keeping your banking information private. Brex also has a quick team that responds to any customer queries and concerns.
The Brex platform keeps your expenses in check, making you conscious of your expenditure. Thus, you can make good decisions. It also does not charge any foreign transaction fees or interest rates. You can therefore use them anywhere without incurring additional charges.
11. Bento
With Bento, you can easily manage and control your company expenditure. Once you generate and assign a virtual card to your account, the Bento virtual card provides more security, faster transactions, and enhanced scalability for your account.
The virtual account is easy to create, giving you instant access upon creation. On your Bento virtual account, you can set limits to your expenditure, making you better manage your finances. The way you handle a physical Bento card, you can manage virtual cards the same way.
The good thing is that it allows you to make one-off payments, and you can also create custom-controlled payments with which you can make repeated payments. It provides more efficiency and security as it keeps your banking information private.
Your Bento virtual card tends to cope with your company’s versatility. A plastic card would take days to get printed and mailed, but creating the virtual card is something you do in minutes. You also start using it immediately. The good thing is that you will only be retrieving your virtual card details online when you need to access them.
12. Emburse
Emburse provides you with virtual cards that you can use for your business expenses and payment to vendors. It gives businesses an easy time dealing with corporate expenses by issuing virtual cards to contractors and employees.
With Emburse it integrates your business with tools that automate bookkeeping, enforce expenditure policies, and capture receipts, and organizing your company’s business transactions in general. The virtual cards integrate with other tools to make tracking easy.
Secondly, Emburse collects the business owners’ personal information to ensure the business, employees, and contractors’ security. Also, Emburse has to verify the personal information of someone holding a significant managerial position to create the virtual cards.
For the cardholder, the only requirement is the email and name. They can also include their phone number to receive receipts on their mobile phones once a transaction is settled.
The Emburse mobile app can categorize expenses automatically, giving you an easy time when tracking them. It also is compatible with both Apple Wallet and Android Pay, giving you flexibility and easy accessibility from anywhere and on any device. Lastly, Emburse helps you in managing your purchases.
13. iCard
iCard provides you with the chance to have a virtual debit card that you can use to settle online payments efficiently. You get two virtual card accounts present in your digital wallet.
With iCard, you can buy up to a total of 20 virtual cards. Once you load them and make a payment, you can also delete them. After payment, deleting the cards ensures that nobody can access your bank information, thereby keeping your money safe during online transactions.
iCard provides you with the ability to set limits for your expenditure, freeze and unfreeze your cards, and choose custom designs. You can open an iCard account from anywhere, allowing you to make online purchases even if you are in another country.
Once a transaction gets settled, you will get instant notifications. iCard uses 3D secure technology, which provides an additional SMS code that you use to verify a transaction. That way, your money is always safe.
14. Kotak Netc@rd
Kotak Netc@rd is your ideal virtual credit card provider if you are looking for safe and secure online transactions. It is a product of the Kotak Mahindra Bank Netc@rd. The provider promises an unmatched prepaid card service that is efficient and ensures your bank details security when conducting online business transactions.
The Kotak Netc@rd virtual card is acceptable on all online shopping platforms. Although you link it to your bank for payments, the bank information remains private, and the online vendors cannot access it. It keeps your money safe even if the online vendor gets hacked or is somehow dubious.
The Kotak Netc@rd does not set any minimum balance. It also does not charge the owner, whether in interest fees or annual fees. The platform also allows for an easy set-up. Registration requires you to log n to the website and follow the prompts for virtual card registration. You have your card within minutes, and you can start using it instantly.
15. Skrill
Skrill is powered by Paysafe and provides users with a prepaid virtual Mastercard. Skrill is an established platform that allows you to pay for shopping anywhere online, send and receive money, pay bills, and engage in the crypto trade.
The Skrill virtual debit Mastercard is accepted worldwide, giving you the freedom to make payments and buy goods online anywhere where Mastercard is accepted. With Skrill, you can make online transactions in different currencies, including S.D., EUR, GBP, or PLN.
The only thing you need to ensure for you to continue using the virtual card is to maintain a positive Skrill balance. Every Skrill user can get the virtual card within minutes. Skrill issues the first virtual card at no cost, after which you pay a €2.5 fee. Additionally, Skrill does not charge annual fees.
Conclusion
Virtual credit and debit cards are used to make payments worldwide. They can even help you securely pay down debt, fast! Even when the card provider assures you of the security, there is a part that you have to play. For instance, do not carry out transactions with your card on non-listed sites. Such sites might be malicious and may endanger your bank details.
Another thing to consider is to make inquiries and gather enough information about a specific card provider before you can register with them. Some sites might pose as card providers when they are out to collect your personal information and use it maliciously.
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