Virtual visa. How to create Visa Virtual, how to replenish Visa Virtual, instructions, reviews
Many consumers are used to making purchases and paying for them online. One of the easiest payment methods is to purchase a virtual card of the selected bank. How to create a virtual card, and what problems you may encounter, we will find out right now!
Step-by-step instruction: how to create a virtual Visa card
Creating Visa virtual cards is possible in almost any bank in our country. Opening methods are identical. Let's look at a few examples:
Example No. 1. Qiwi
By creating a prepaid Qiwi Visa Virtual, you essentially create a card for a fixed amount. That is, after using this amount of money, you will have to create a new “virtual” account.
Getting a Visa virtual card is easy! Details for payments will be sent in SMS to your mobile phone number.
Example No. 2. Sberbank (you must have a debit card open in the bank)
Example No. 3. WebMoney
Example No. 4. Yandex.Money
- We go to the site of the Yandex.Money payment wallet.
- In the "Bank Cards" section, select the "Yandex.Money Virtual Card" tab.
- Enter the password for the wallet and attach the card to the number of the desired mobile phone.
- Confirm the application for the issuance of a virtual card by receiving an SMS-code. Her details will be stored on the website in the personal account of your wallet and the function of ordering details via SMS will be available.
The features of this card are the absence of a fee for opening, the validity period is within a calendar year, the commission for transfers is 3%, taking into account the payment of the mandatory 15 rubles.
What the virtual card holder gets - product features
The popularity of the issuance of virtual cards by Russian banks is due to the growth in online purchases: using "virtual plastic" safe payment for goods on the Internet is possible anywhere in the world. But payment in ordinary stores and cash withdrawals are not possible. The banking market is divided by such types of payment systems as Visa Virtual and MasterCard Virtual.
Currently, work is underway to create and put into circulation cards with the MIR payment system; perhaps, in the future, virtual cards of the MIR system will also appear. Most users still prefer the classic Visa Virtual.
A virtual means of payment has characteristic differences from its classic banking "tribesmen":
- the absence of physical media (plastic), which means: there is no hologram, there is no magnetic strip, the signature of the owner is optional;
- receiving a card is possible without a personal presence in the bank.
Advantages and disadvantages of using a Visa virtual card
Virtual cards have several advantages, such as:
- The ability to protect your main debit / credit account from fraudulent "capture". The buyer can reset the necessary amount for online purchases to his virtual account and calmly pay for purchases through a card, the duration of which is from 2 months to 1 year. The data of your main bank card account remains safe, and attackers will not be able to capture it.
- Spending limit - you can control your purchases and will be more economical in terms of spending.
- You can block the card at any time. This can be done either in the personal account of the payment platform, or by calling the hotline for the employees of the selected bank.
- It does not have a physical medium.
The main disadvantage of virtual cards is the following:
- The bank can offer “prepaid” cards and often money is paid at one time and is fixed. You cannot “report” funds. But there is always the opportunity to make a new one, since this function is not forbidden.
- Some cards have a maximum validity of 2 months, which is not always convenient for the consumer.
Important! If you plan to open a virtual Visa card to pay for online casino services, then make sure that the payment platform allows such payments.
This question is being asked by more and more people, as Recently it has become popular and even fashionable to shop online.
You can pay on the Internet in electronic currencies WebMoney, Yandex money, etc., or you can use ordinary money from a regular VISA plastic card.
For security reasons, many are afraid to enter their real plastic cards when making payments on the Internet, often overpaying a few percent.
There is a way out. You can quickly create a virtual VISA card to make payments to the Internet from it, thus completely removing the risks of fraud with your real plastic card (How to create a VISA card, see the video tutorial).
Create a virtual VISA card
1. Go to the site qiwi.ru enter your phone number and click “ Sign up”.
2. Enter the characters shown in the figure, check “ I agree to the terms of the Offer”And click“ Sign up”
3. On the right, click “ Qiwi Visa Card”And that’s it! Your virtual VISA card has been created.
4. The fact that a virtual VISA card has been created is indicated by SMS received on the cell phone number that you entered during registration. In the same SMS message there will be secret information about the VISA card, which allows you to make payments on the Internet.
5. In order to use your card you need to replenish it.
QIWI VISA CARD has a huge number of recharge options:
you can transfer money to it from your usual plastic card, you can top up through the payment kiosk, which are located in all stores, supermarkets, business centers and mobile phone stores.
6. If necessary, you can close your VISA virtual card at any time simply by clicking “ Close QVC”.
Creating a virtual VISA card and closing it - FOR FREE!
Video “ How to create a virtual VISA card”
Replenishing a VISA virtual card is similar to replenishing a WebMoney wallet through a payment kiosk described in the article and shown in the video tutorial
Best wishes,
Vladimir Yesipov
Good afternoon!
You made a really right decision, deciding to issue a virtual card.
To issue a virtual Visa, contact the bank branch with a passport and today you will have its details. Many payment systems offer the design of virtual cards online, but if you are interested in security nevertheless, it is better to contact a real contractor, whom you can make a claim in case of their occurrence.
Here are some banks that issue virtual cards:
- - 60 rubles / year
- Alfa Bank issues only MasterCard with a one-time payment of 49 rubles
- Tinkoff allows you to use the Mobile Wallet service for virtual transfers
- Russian Standard sells prepaid cards from 100 to 100 000 rubles. Registration at your own ATMs and through an online bank is free, through an application on the bank’s website - 25 rubles + 2%.
- Bank of Moscow - 2 USD / year
- VTB24 - 500 rubles / year
- The Renaissance releases a virtual "Corn" with a credit limit, it costs 100 rubles. You can issue in the nearest Euroset.
- Issues virtual cards designed for a total of 15 operations.
- Revival gives virtual card for free to all its customers
- Discovery Bank takes only 29 rubles one-time, but limits the limit to 50 thousand.
- MTS Bank issues cards free of charge, but replenishment will cost 0.75% (at least 50 rubles).
Bank transfer technologies are developing at breakneck speed, and we can no longer imagine our life without a plastic card, which greatly facilitates many of the manipulations with our money in the bank. With it, we can do almost everything from buying in a store, to transferring funds to another country. In this article we will consider incorporeal virtual cards and their pros and cons. And also how to create a virtual Visa card?
Why do I need a virtual Visa card?What is a Visa virtual card?
As we all already know, a plastic card is a tool that helps us to do various actions with our money in a personal account of a bank. This account itself is also tied to the card number. But a virtual card is by its very nature the same card, only without plastic media and without certain security technologies - such as a chip and magnetic tape.
Typically, such cards are used for online purchases in online stores, to pay for various goods and services through online services, as well as to transfer funds to other cards and accounts. Virtual Visa is the same virtual card only based on the popular, worldwide payment system Visa.
Virtual Visa Card does not have a physical medium, so you cannot withdraw money from it at an ATM or perform other actions from any bank terminal.
Virtual banking also has all the basic card details: card number, expiration date, as well as a special security code. It is this information that many use for shopping at a boarding school.
The difference between the virtual card Visa and MasterCard
These cards are practically no different and are a rather convenient means for shopping on the Internet. True, there are several differences. The fact is that the Visa payment system has the main currency of conversion as the dollar, and MasterCard as the euro. That is why buying this or that card on foreign sites will come out in plus, and conversion will not be so expensive.
How to get a virtual card and how to get it?
Before you make a virtual card, you must already have any Visa or Master Card. The fact is that many banks provide the opportunity to make a virtual card, but for this you should already have a bank account. Then they will make a virtual card and tie it to your account.
Many banks can also provide you with the opportunity to make such a card if you already have a deposit in the bank. Moreover, if you make it removable, you can use the funds from the account.
So, you need to visit the branch of your bank with a passport. After which you write an application for the issuance of a virtual card, which will be tied to your existing bank account. Also, many banks offer the opportunity to issue a virtual card through an online application or through your personal online banking account.
You can also issue a virtual card through additional services such as Visa WebMoney or Visa QIWI. True, this card cannot be used without identification.
Shopping for various goods and services through the World Wide Web is becoming increasingly popular. This ensures quick purchases, instant payment for services and saves a lot of time. To protect money as much as possible, experts recommend using virtual cards.
Visa virtual card - what is it?
This is a special payment card, which is designed for the purchase of various goods and services via the Internet. For example, you can pay for:
- a toy for the child;
- fortune telling on virtual tarot cards;
- virtual psychologist consultation and much more
A virtual card, as a rule, is presented only in electronic form. But many banks, for the convenience of their customers, make additional “plastic”, on which all the details of Visa virtual card are applied:
- number;
- month and year of expiration;
- security Code CVV2 / CVC2.
At the same time, the usual characteristic bank attributes of the Visa virtual card are absent:
- magnetic strip;
- hologram;
- owner's signature.
Because of this, it is not possible to pay with a virtual Visa virtual card in ordinary stores. Cash withdrawals through cash registers and ATMs are also not available. The main advantage of this payment card is its increased security, because when you buy it you do not need to provide your personal data to the seller. And this reduces the risk of hacking your account by about 80%, according to employees of the banking security system.
Visa virtual: how to create / buy a card. Instruction manual
- Create an electronic wallet. You can use any service convenient for you that provides this service. For example, Webmoney, Easypay, Yandex-money, etc. To do this, you will need to select your country, enter a name and surname, specify a phone number and email address. The whole procedure takes only a few minutes.
- Top up your electronic account.
- Go to the website of your preferred bank or payment service, which offers its customers to create a virtual card, and apply for it.
- Pay the required amount (including a small commission) using electronic money. After that, you will receive the necessary card details for its use. You can Visa card
irtual buy both permanent and temporary.
Qiwi visa virtual
With the help of the Kiwi payment system, it is available to make purchases on those sites where a Visa card is accepted for payment. When purchasing a Qiwi virtual card, a fee of 2.5% is included in its price. The amount depends on the face value of the card. The Qiwi Visa virtual card limit is also set for the use of finance (30000 for a ruble card and 1000 for a dollar card).
How to create Qiwi V isa virtual
If you have a wallet in the Kiwi system, it is enough:
- apply for a card;
- indicate the desired face value and your mobile phone number. An SMS message with details will come to him. Through Qiwi Visa virtual wallet can be replenished an unlimited number of times. Its validity is eight weeks. How to recharge Qiwi Visa v irtual? Just transfer the desired amount from your Qiwi e-wallet.
Yandex: virtual card
In those online stores that do not accept Yandex money, you can easily pay with this card. Its validity period is twelve months, and a commission is not charged at registration.
You can also link your card to Visa virtual Paypal. Please note that a small fee will be charged at the time of linking. .
Visa virtual: how to replenish
Any payment terminal available to you can easily cope with this task. If you already have an account with a bank or payment system where you issued a virtual card, you can transfer the amount you need from it in a matter of minutes.
- Replenish your virtual wallet only for the amount you need to pay. This will protect your personal funds from online scammers.
- If after payment you still have funds on the virtual card, it is best to transfer them to your bank account.
- Despite the fact that the virtual wallet is reliable in use, you should not make purchases on unverified sites and inform your sellers of their details.