Virtual card without registration. Virtual MasterCard
For shopping on the Internet, a virtual credit card is useful, which can have a credit limit, support interest-free delays. It is issued only online and has almost the details of a regular card, except for physical form. It is not plastic, but electronic. The design of the product is carried out instantly, it will take no more than 10 minutes.
There is simple instruction how to use a virtual credit card of any bank or payment system. After its registration and activation, use the product details, the security code for back side... These data are entered in any online store or website for payment. After SMS confirmation, the money will be withdrawn.
In the same way, banks or PS have created separate personal accounts and mobile applications. They also perform operations, transfers, use cashback, etc. The virtual product is designed for online shopping.
How to get a virtual bank card?
To quickly apply for a virtual credit card with money, you need to go to the bank's website or electronic system, find a coexisting section with a product description. It should have a separate button "Checkout", "Send an application". After clicking it, an online form will appear. Following the instructions, you need to fill in all the empty fields and get the details. Sometimes you need confirmation by SMS or in another way.
On many sites, on the virtual card description page, you can fill out an online questionnaire. It takes a few minutes. After sending and confirming, instant registration is carried out. You need to activate the product by specifying the phone number in advance.
The user is given details that can be used for shopping in the invader. Banks, PSs register the product in their personal account or at an ATM.
Virtual credit cards with limit online
A standard virtual credit card with a credit limit is unlike any other spiritless one. It already has sum of money... It belongs to the bank, but the owner can use it within the provided credit limit. Tinkoff card, including Platinum, belongs to this type (with additional interest-free installments).
Need to know. All virtual credit cards with a limit online have their own restrictions and tariffs. If there is a grace period, then during this time borrowed funds the card can be used free of charge. True, they need to be returned in time.
Deadline is the last day of the grace period or another designated date. If the payment is late, then you need to pay interest.
Pros and cons of the soulless card
The advantage of the product is that virtual credit cards with money are issued free of charge.
Other benefits:
- Fast registration, release on the Internet.
- There is a link to an electronic wallet or bank account.
- No need to submit documents for release. Indicates basic data.
- There are security technologies. The card has no physical medium and cannot be stolen.
- Cashback, credit limit or installments.
You can order a virtual credit card even from your phone. There are also virtual credit cards without refusal, which are issued immediately upon application. The user is approved.
- You can only pay online.
- No physical media. Often the card is temporary and has a short validity period.
- Cash withdrawals are not possible.
If you make transfers to other cards, then a commission is charged to the user.
"Halva" from Sovcombank is an instant virtual credit card online with a ruble balance. Differs in interest-free installments for 1 year without down payment, commissions or interest rate.
Tariffs and conditions:
- Annual maintenance and opening - free;
- Revolving credit limit of up to RUB 350 thousand;
- Cashback (up to 1.5%);
- The rate in case of exceeding the term of the installment plan is 10%.
For Halvoy goods are calculated online and do not conclude any credit agreements... You just need to make payments in open installments. The installment plan is suitable for purchases in partner stores. There are more than 80 thousand of them.
You can get a virtual credit card in less than an hour. Kviku is the shortest route to money online. The speed of Kviku registration does not exceed 5 minutes. You just need to go to the official website, where there is an electronic form for filling out the questionnaire. You must provide your basic information and the virtual credit card will be issued immediately. Her details are sent to the client within 30 seconds. Then you can buy goods and pay for them on the Internet. If you already have a virtual Kviku credit card, you can find out how to use it in the system account.
Basic information about Kviku:
- There is a credit limit - up to 200 thousand rubles;
- Cashback up to 30%;
- Grace period of 50 days;
- There is no link to the account;
- Service - 0 rubles.
To apply for a virtual credit card, you do not need certificates and other proofs of income. The questionnaire contains a minimum of information. Virtual credit card Quick reviews have both positive and negative reviews. Users see more advantages, since the product is convenient for shopping on the Internet and does not require a long registration.
Users can open a virtual Sberbank card online only if they already have another. Otherwise, you must first issue it in the same bank. Step-by-step instruction to open:
- Go to Sberbank Online;
- Go to the "Maps" tab;
- Click on the application;
- Fill in empty fields;
- Send and confirm the application by SMS;
- As soon as the application is confirmed, a document with the details of the Sberbank card will be visible on the page.
If you need a Sberbank virtual card, how to issue it online, you can also call "900".
Basic information on tariffs:
- Limit up to 900 thousand rubles;
- There is a grace period of up to 50 days;
- Annual service - 60 rubles.
The issue of such a virtual card is within 10 minutes. Service mobile bank free.
At Promsvyazbank, an electronic credit card can be obtained online or at a branch. The release time is about 10 minutes. To get it on the Internet, you should go to your personal account and follow the instructions.
Tariffs and Conditions:
- Grace period of 50 days;
- Credit limit- up to 300 thousand rubles;
- Annual service - 0 rubles.
There are no cashback and bonuses. There is no need to pay for the service in the mobile bank, it is free.
QIWI offers an online card to pay for online purchases. To get it, you just need to go to your personal account and click on the "Release" form. The following data immediately appears on the page:
- Requisites;
- Validity;
- CVV code.
Such a virtual card online from QIWI is valid for 2 years and is intended only for online purchases.
Important conditions, tariffs:
- The balance is the same as on the QIWI wallet;
- You can pay for purchases in stores of different applications;
- Commission for replenishment - 0 rubles;
- Issued in rubles, dollars or euros;
- The service is free.
Electronic registration takes place in 10 minutes or less.
Advanced Cash is a virtual credit card that can be obtained online for as little as 1 dollar or euro. The service is provided free of charge. The essence of this American product is payments for goods online all over the world. Transfers from other users are also carried out.
- Tariffs and conditions;
- Instant release;
- Commission-free payments and purchases;
- Accepted in all countries;
- Terms of issue - for 3 years.
The product becomes available immediately after registration on the Advanced Cash website.
The product was purchased by the MoneyPolo payment network. Such virtual cards for online payments are issued within 5 minutes. To get OKPAY (MoneyPolo), you need to go to the company's website and go through a simple registration. The main details of the virtual plastic will be issued. It is used for payments for online purchases.
OKPAY (MoneyPolo) tariffs: you need to pay $ 1.3 for the issue; zero commission and free annual service. Credit or credit card installments are not provided.
The Russian Standard has two transcriptions at once. A virtual credit card is issued with an online limit for a specific purchase and a separate one for online shopping. Both can be issued on the Internet using the form of the bank's official website.
The Russian Standard virtual card for specific purchases has the following conditions:
- Details, card number is assigned on the site automatically;
- Denomination from 100 to 15 thousand rubles;
- Registration fee - 2%, but not less than 25 rubles;
- Terms - 3 months.
The second virtual card from Russian Standard is suitable for any online shopping. Its face value is the same, but the number can be selected and indicated at your discretion. The validity period has been extended to 1 year. Registration costs 300 rubles.
To get a credit card online, you must already have a regular one from Alfa-Bank. If there is no such one, then you need to issue it on the website or in the department, and only then order a second - spiritless. Such virtual credit cards with an online limit will cost 49 rubles per issue.
Tariffs, conditions for a soulless card from Alfa Bank:
- Online edition costs 49 rubles;
- Opening in the Internet bank;
- 7% per annum on the balance of funds;
- Free service.
Alpha card is intended for online shopping. Provides a service and technology for safe shopping.
An online card from Yandex.Money is issued in the user's account. It has a common balance with the user's main wallet in this system. A virtual Yandex credit card is issued within 3 seconds.
Tariffs and conditions:
- Cashback 1% from any purchases on the Internet. It can be spent immediately.
- Replenishment, service and payments - no commissions.
- Cash withdrawals or transfers to other Yandex cards - 3% of the amount.
- Validity period - 3 years.
Within 1 month, you can make payments for a total amount of up to 40 thousand rubles, if the Yandex.Money wallet is anonymous. For a nominal limit, it rises to 200 thousand rubles.
If you need a virtual MTS credit card, you just need to download mobile app and order a product. It will sweep away for a few minutes. The application is called "MTS Money". Payment for purchases is made using a smartphone. An application is installed in it, in which the card appears.
Peculiarities:
- Replenishment is possible from the MTS number;
- Service and release - 0 rubles;
- You cannot withdraw cash, payments are only available online;
- Validity period - 3 years;
- Monthly turnover - up to 200 thousand rubles;
- The maximum monthly balance is up to 60 thousand rubles per month.
Transfers from MTS bank are carried out without commission. Top-up from another card - 60 rubles.
comparison table
To view and compare popular virtual credit cards with limit online list, use the table.
Table 1. List of main virtual cards and their conditions, tariffs.
Card name | Validity | Release, maintenance cost | Installment | Credit limit |
Halva | 1 year | Is free | There is | Up to 350,000 rubles |
Kviku | 12 months | 0 rubles | No | Up to 200,000 rubles |
Sberbank | 3 years | Is free | No | Up to 90 thousand rubles. |
Promsvyazbank | 2 years | 0 rubles | No | Up to 300 thousand rubles. |
QIWI | 24 months | Is free | No | No |
Advanced Cash | 3 years | 0 rubles | No | No |
OKPAY (MoneyPolo) | 1 year | $ 1.3 per issue Free service | No | No |
3 months or 1 year | 25 rubles per issue | No | No | |
12 months | 49 rubles | Absent | Not provided | |
3 years | 0 rubles | No | No | |
36 months | Is free | Not provided | Not |
Many consumers are used to shopping and paying online. One of the most simple ways payment is the purchase of 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 guide: how to create a virtual Visa card
Creation of virtual Visa cards is possible in almost any bank in our country. The opening methods are identical. Let's take a look at a few examples:
Example # 1. Qiwi
By creating prepaid Qiwi Visa Virtual, you are essentially creating a card on fixed amount... That is, after using this amount Money you will have to create a new "virtual" account.
It is very easy to get a virtual Visa card! Details for payments will be sent to the SMS to the one you specified mobile number phone.
Example No. 2. Sberbank (you must have a debit card opened in the bank)
Example No. 3. WebMoney
Example No. 4. Yandex.Money
- We go to the website 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 link the card to the desired mobile phone number.
- Confirm the application for issuing a virtual card by receiving an SMS code. Its 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 peculiarities of this card are the absence of an opening fee, the validity period is within a calendar year, the commission for transfers is 3%, taking into account the payment of the obligatory 15 rubles.
What does the owner of a virtual card get - product features
The popularity of the issuance of virtual cards by Russian banks is due to the growth in the volume of online purchases: with the help of "virtual plastic", it is possible to pay for goods securely on the Internet anywhere in the world. But payment at regular stores and cash withdrawals are not possible. The banking market is divided by such types of payment systems as Visa Virtual and MasterCard Virtual.
At present, 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. The preference of the majority of users is still given to the classic Visa Virtual.
The virtual means of payment has characteristic differences from its classic banking "fellow tribesmen":
- no physical medium (plastic), which means: no hologram, no magnetic stripe, the owner's signature is optional;
- receiving a card is possible without a personal presence at the bank.
Advantages and disadvantages of using a virtual Visa card
Virtual cards have a number of advantages, such as:
- The ability to secure your primary debit / credit account against fraudulent hijacking. The buyer can reset the required amount for purchases via the Internet to his virtual account and easily pay for purchases through a card, the duration of which is from 2 months to 1 year. The details of your main bank card account remain safe, and hackers will not be able to get hold of it.
- Spending limit - you will be able to control your purchases and will be more economical in matters of spending.
- The card can be blocked at any time. This can be done either in the personal account of the payment platform, or by calling hotline employees of the selected bank.
- Has no physical media.
The main disadvantage of virtual cards is the following:
- The bank may offer "prepaid" cards and often the funds are deposited in a lump sum and fixed. It is impossible to "report" funds. But there is always the opportunity to start a new one, since this function is not prohibited.
- 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.
Operations with electronic money are almost no surprise to anyone. But it is very difficult to figure out which card will offer Better conditions, will help you save your own funds.
Gazprombank: description of the MasterCard WebCard program
This is a copy of an international payment instrument. There is no magnetic stripe. The product is specially designed for users to settle payments in online stores and do not worry about their security. For registration, you must visit the main office or one of the branches. All details for making payments are provided to the citizen immediately after the registration ends.
Replenishment is available in several ways: transferring funds from the main account, through payment terminal and through the cashier. The card itself belongs to the so-called multicurrency varieties. There are the following features that users may encounter during operation:
- Validity period is 1-2 years.
- 85-ruble commission for the issue. Re-issue is also paid at this rate.
- Issue / re-release costs 160 rubles when it comes to additional copies.
- An account statement from this bank costs users 50 rubles.
When debit card is used when performing transactions and working with online stores, then no additional commissions are charged. If you wish, you can activate the SMS notification service. Many virtual Visa and MasterCard cards work according to this scheme, the service is connected to any option free of charge.
Russian Agricultural Bank: MasterCard Virtual
This is a kind of cards that are not issued on physical media at all. Even for the development of a special design, bank employees do not undertake. Details are issued only to the client, using bank check... Or they can be obtained online. The card supports multiple currencies. And it is issued only to accounts that were opened earlier. A debit card is issued either at the office or at the nearest machine.
The use is associated with some peculiarities. It should be noted here:
- connecting the service of SMS notifications, if necessary;
- inability to unblock the card if it has already been closed once;
- high degree of security due to the use of a 3-D password;
- no commissions when paying for online purchases;
- the use of several currencies during storage;
- the card is closed automatically, for the last day in next month after the month when the discovery took place.
The short period of validity is precisely the main disadvantage.
MasterCard from Sberbank
In this case, the absence of a physical medium is also characteristic. But at the same time, Sberbank still created a special design for this payment instrument. An excellent option for those who often purchase from online stores. Any data on transactions is displayed in the Internet service of the bank itself. Debit virtual cards are easily issued to customers who already use any of the institution's services. The parties only need to sign an agreement before the details of one of them are transferred.
When used, the following features are characteristic:
- availability of all the functionality included in the Mobile Bank program;
- funds management through an account in the Sberbank Online system;
- optional connection of SMS alerts is available;
- the ability to link to the wallet in electronic form;
- annually, 60 rubles are charged from the client for service;
- only rubles are supported;
- before three years the validity period comes, in general.
Only one copy of a virtual card can be entered for each client.
PromsvyazBank: virtual paid Visa card
To issue a card, it is not necessary to have the status of a valid client of this institution. But it is this status that will allow you to go through the procedure for concluding an agreement in a simplified manner. Online shopping is also beneficial with this option.
The main points for clients are as follows:
- Free use of PSB-Retail functionality.
- If the top-up is made from an account with Promsvyaz Bank, then it will be free. But for using other structures, a 1.9% commission is charged.
- The ability to block the card if it is no longer needed.
- Regular customers can count on limits of up to 300 thousand, and for other categories of citizens they reach - up to 15 thousand.
- New users will face a monthly transaction limit of RUB 40,000. Regular customers do not face such restrictions.
- If you wish, you can use SMS informing.
- Only valid for three months. Virtual MasterCard free of charge in the institution is not yet issued.
Visa Virtual: an offer from the Bank of Moscow
It also applies to any payments made through online stores. Replenishment is carried out in any way that will be most convenient for the user. These are postal transfers according to the standard scheme, transfers from other banks.
When receiving cards, certain requirements are imposed on customers:
- connection with an account that is already valid;
- registration with a 60-ruble commission;
- the application is made immediately at the department, after receiving the details;
- presence of the "streaming client" status.
As for the terms of use, they are described as follows:
- SMS informing. During the first two months it is free of charge. Starting from the third, 49 rubles are removed for it every 30 days.
- Blocking and unblocking is free of charge.
- The spending limit every month is up to 15 thousand rubles.
- The service costs 60 rubles.
- Retention of action for six months. It is not difficult to create a virtual Mastercard.
Until the moment when the main period of validity ends, the client can renew it. The virtual account ceases to be valid at the same moment as the main one. It doesn't matter when the last renewal was made.
Alfa-Bank: Master Card Virtual
The card helps customers to protect themselves when carrying out any transactions using the services of online stores. A client who has registered in the Alfa-Click system or purchased a card from the same bank can receive this tool for calculations.
The features of the card itself will be as follows:
- Free connection of SMS notifications.
- Support only rubles as the main currency.
- Management using the "Alpha-Click" functionality.
- Replenishment using any convenient scheme.
- The cost of the issue is 49 rubles.
- You cannot do without connecting to a debit account. A virtual bank card is a convenient tool for everyone.
MasterCard from Yandex.Money
The card is issued free of charge, and the document is officially valid for one year. Among the prerequisites is linking to a telephone account number. If the user remains anonymous, then he will not be able to pay when using the services of online stores abroad. Limits for transactions - 40 thousand for the whole month, 15 thousand at a time. If the wallet is registered, then the owner can spend 60 thousand once, and up to 200 thousand rubles in just 30 days. Identified cards have even fewer restrictions - one-time 250 thousand and monthly six million. You no longer have to figure out what a virtual card is, what it is for a customer.
Features of the Visa card from Qiwi
Virtual cards are convenient in that they make payment for services and goods on the Internet even easier, accessible to absolutely everyone. The Visa card from the Qiwi system occupies one of the leading positions in this area.
This tool remains valid for two months and requires opening a separate account. At the same time, several cards can be linked to the same wallet at once. A minimum denomination of 30 thousand rubles or thousand dollars is deposited on Qiwi Visa Virtual, but this amount is distributed for the entire validity period. The issue costs 2.5% of the deposited amount. Usually the commission is equal to 25 rubles and large amounts. If you want to issue a card with support for dollars, then you deposit 1 dollar.
There is also a second card, which is simply called the Qiwi Visa Card. She also has her own conditions, namely:
- Linking to a Qiwi wallet account.
- Additional fees are not required in connection with registration and service.
- It has been in effect for two years.
- When using rubles, the limit is 600 thousand, and in dollars - 1000.
The main convenience of virtual cards is the inability to spoil something. There are only details that are transferred to a specific person. In fact, this is a kind of cloud technology that Internet communications allow to work with. There are the following benefits that will be available to holders of such cards:
- Lack of physical media leads to the fact that the card itself cannot be stolen. The other person simply won't be able to use the props.
- There is also no PIN. This also leads to the fact that strangers cannot use funds tied to a specific account.
- Storing details as a combination of numbers... And it is difficult to recognize it, since it is not printed anywhere. The numbers are stored in a special virtual register or are transmitted only to the user himself. Obtaining data involves using the online mode or visiting the office.
- Creation of limits on the money used- of additional security measures. Any virtual Visa debit card has this advantage.
Most virtual cards are debit cards, not credit cards. Therefore, it is so important to limit the possibility of making calculations. Especially if the information did end up in the hands of intruders.
Finally, virtual maps are created with just a few clicks. It's as easy as getting yourself a virtual mailbox. The most popular option is prepaid cards, that is, when the client deposits a certain amount into his account in advance. In this case, it is not even required to conclude additional agreements at release. Therefore, the name of the cardholder does not apply to the mandatory requirements, everything is carried out anonymously.
Greetings, friends! Today I will tell you how to create a virtual QIWI card. I started it to pay in online stores: before, I used a plastic version of Visa, on which I kept funds for current expenses. But one day, after an attempt at unauthorized access, all the money was almost withdrawn from her. Then I set limits on online payments, and started a QIWI card for purchases. For this reason, I myself felt the "pitfalls": after reading the article, you will learn about everything.
What is QIWI Virtual Card: Product Features
A payment instrument from an electronic system is a kind of account where money is stored. The card is not issued on a tangible medium so you don't have to go to a bank or office to pick it up. The advantages of the option also include the following:
- The electronic system offers it free of charge for every user who has registered a wallet.
- You will make payments in any online store, if it accepts Visa cards.
- The use of the product is completely safe. When making purchases on the Internet, you will not enter the details of the payment method into which your salary is transferred to the forms.
- It is convenient to replenish virtual QIWI: you have terminals, ATMs, a card on a physical medium, communication shops and even a mobile operator's balance at your disposal.
- Management is carried out in your personal account, and you can enter it from a stationary device or mobile gadget. Whether you want to change your PIN or view transactions, there is no difficulty.
After I created a virtual QIWI wallet card, I began to distinguish between payments for online purchases and current expenses “in real life”. This benefited the budget and helped save money.
Disadvantages of a virtual card
Not without its drawbacks, because it is impossible to withdraw money from virtual cards at ATMs... They are only suitable for online payments: you will not be able to make a purchase in a regular store or pay for a hotel room, even if you made a reservation via the Internet. The disadvantages include the presence of limits, because after exceeding them, the card will be useless.
Types of QIWI cards
On the net you can find information about different types virtual instruments, but in 2018 many of the options are outdated. Even if you have used the system in the past, clarify the current situation.
Features of QIWI Visa Virtual
The payment system issued QVV, but from 26.02.2018 their sale was stopped... It is also impossible to replenish created cards, and this applies to both dollar and ruble options. But the other QVV operations are available to holders: their validity period remains unchanged. True, it will not be possible to re-release QIWI Visa Virtual, so technical support advises switching to QIWI Virtual Card.
QIWI Virtual Card: How To Use It
The payment instrument was named "Virtual card with wallet balance"... It will come in handy in the following cases:
- When making purchases on unverified sites, you should not indicate the details of the plastic Visa on which you store your money. Entering the QIWI virtual card number will not result in the loss of your basic savings.
- If you have forgotten the plastic details and cannot clarify them, you will not have to refuse the purchase. You will pay with virtual payment method.
The validity period is 2 years, after which you will reissue in your personal account. As for commissions, money is not debited for creation and maintenance. If you make purchases in Russian online stores, then a percentage of the transfers will not be charged. But when shopping abroad, you will have to give 2,5% , and the sum cannot be less than 30 ₽... Also, money is charged for SMS informing: monthly payment will be 29 ₽; replenishment is free.
The main disadvantage is that it is not possible to order a QVC card on a plastic medium.
How can you create a virtual QIWI card
The pluses of the means of payment include its availability. You don't have to think about how to get a virtual QIWI card, since it is created automatically when registering a wallet. You will learn the details from the SMS delivered to the phone number to which you link the account.
To view the card details, follow the instructions step by step:
If you need details, but you did not receive them in SMS, click on icon next to the QVC icon... From the dropdown menu select "Get details": Once a day, they are sent free of charge. Click "Send", and the message will be sent to the linked phone number: it contains the card number and a 3-digit code.
How much does it cost to create a virtual map
The payment instrument is created free of charge and is valid for 2 years, after which you will reissue. It is important that 1 active card is allowed to be linked to the wallet.
What limits are set on the created QVC
The payment system introduces restrictions depending on the status of the wallet to which QVC is linked. Immediately after registering in the system, you will encounter the following restrictions:
- you can keep no more on your account 15 000 ₽;
- total amount payments should not exceed 40 000 ₽.
If you are authenticated on the network, the status will increase to "Basic". You will keep counting until 60 000 ₽, and the allowable amount of payments will increase to 200,000 ₽ per month.
According to the information on the website, the owner of a wallet with the "Professional" status will receive the most profitable terms:
- maximum amount for storage - 600 000 ₽;
- there are no limits on payments and transactions.
But is everything so tempting as described on the official website? The problem is that the security service blocks even identified wallets with the "Professional" status. Naturally, the virtual instrument attached to them becomes useless. The situation is described in detail in the client's review, which will serve as a warning to you.
Experience of using a virtual QVC card
I used the electronic system for 5 years, passed full-time verification, got a virtual and plastic card. I did not pay attention to negative reviews on the network, I received a salary at QIWI (I am a freelancer), I took and paid loans, I even kept my savings for a car on my account!
On 07/09/2018, the wallet was blocked, and after communicating with technical support, I was informed about the termination of the contract. The amount on the account remained rather big, it would be better if I kept it under the pillow! Technical support said that in order to receive the remainder, you need to provide a package of documents, and without them the money will not be given to me. I had to borrow from friends in order to snatch my hard-earned money from the scammers.
What is incomprehensible to me with such an attitude towards clients is the established limits. According to the rules, I can keep up to 600,000 rubles on a virtual card. It turns out that the administration of the service can take such an amount for itself if the owner of the wallet, for his own reasons, does not provide them with a package of documents?
How to pay for purchases with a virtual QIWI card
While keeping large sums on virtual media is not recommended due to unreasonable blocking, it is suitable for online purchases. How to pay for goods with your virtual QIWI card? Follow the instructions:
The process does not differ from the use of plastic payment instruments: it is enough to store SMS with the received details or write them in safe place... If you still have questions on how to create a virtual card in the QIWI system and pay for purchases, watch the video:
Problems when paying for purchases with a QIWI card
When using a virtual payment instrument, the following difficulties arise:
- Some online stores ask you to enter an authorization code. It is sent in a message to the phone number to which the wallet is linked. To receive an SMS, first enter the card details into the form on the store's website.
- It happens that an online store declines a payment. In this case, check the following: the availability of the required amount on the account and the correctness of the data entered. Sometimes the problem is that the site does not accept transfers from Visa. But practice shows that in most cases the reason is exceeding the limits or blocking the wallet, which was made by the QIWI security system.
- You forgot your details and requested an SMS, but it was not delivered? Repeat the procedure later.
- You are offered to schedule a recurring payment, but you wonder what will happen if you run out of money on QVC. There will be no problems, since you will receive an SMS with a notification that you need to replenish your wallet. If no funds appear on the account, the auto payment will be canceled.
The main difficulties begin if the store cancels the order for its own reasons. The QIWI website informs that in this case the payment goes into the Hold status and remains in it for 30 days. But practice shows otherwise, and users have to wait for a refund within 5-6 weeks. To avoid such a prospect, contact the owners of the trading platform with a request to write a letter to the address [email protected] and notify that the reservation of the amount has been canceled. If the online store has poor technical support, then tune in to a long wait: QIWI employees are inactive even after the declared 30 days.
Feedback on the use of the payment method QIWI
I have been using QIWI for more than one year, and there have been no problems. I did not pay attention to negative reviews on the network until some trouble happened with my virtual card.
On July 28, 2018, I decided to make a purchase in a foreign online store. Calculated by virtual QIWI Visa and received confirmation of payment from the seller. But after 20 minutes. a new cancellation message has arrived. I checked the account - the money was not returned. QIWI technical support reported that the payment is in HOLD status. Advised to write to the store administration; she did not answer.
Cursing the day when I decided to create a virtual QIWI VISA card, I continued to write and call their support. I waited for the result for 4 days, during which I listened to template phrases. As a result, the money was returned, but ... after 46 days! I'm sure they were used for their own purposes.
How to replenish a virtual card and withdraw money
QVC is not intended for withdrawing funds: if you want to receive them at an ATM, order a payment instrument on a plastic carrier. But there will be no questions about how to replenish a virtual QIWI card. It is enough to put money on the wallet in payment system:
- in the terminal without commission;
- from a plastic card;
- at an ATM;
- Bank transaction;
- from the mobile operator's account.
The amount on the created card and wallet is always the same; to find out, check the invoice in the usual way.
How to find out the number of a virtual QVC card
It often happens that a user starts a QIWI virtual wallet without knowing about the automatic opening of QVC. He does not save SMS with card details delivered to the linked phone number, and subsequently cannot pay for purchases. In this case, go to your personal account, find the "Bank Cards" section; select the sub-item "My cards".
You will see a list of available payment methods, including a virtual QIWI card. But the details are only partially visible: this was done for security reasons, so that in case of unauthorized access, attackers would not spend your money on online purchases.
Holders of a virtual QIWI card ask how to find out the full number. To do this, click on the icon next to the payment instrument icon and select "Get details"... The delivered SMS will contain numbers that are hidden on the site with asterisks.
How to reissue a QIWI virtual card
To reissue a means of payment, follow the link.
On the left side of the monitor, you will see the QVC icon and a list of available actions... Click Re-release.
Confirm the action and receive an SMS with new details. In this case, the old payment instrument is blocked.
Alternative to QIWI Visa Card: plastic cards
Virtual media is used by those who shop online. For users who intend to withdraw money from ATMs or pay at regular stores, electronic system proposes plastic cards.
To see the list available options, go to your personal account. In the item "Bank cards" select "Catalog". A list of options will appear on the monitor:
- Nominal QIWI PayWave, produced for 3 years, will cost 199 rubles. The pluses include free service and replenishment. It is important that when paying in rubles in foreign online stores, you will pay a commission (2.5%). If you decide to withdraw cash from an ATM, then give 2% + 50 ₽.
- QIWI TEAM PLAY offered on similar terms. The difference will be an interesting design and the ability to indicate not a name, but a nickname.
- If you need an unnamed means of payment, get regular card QIWI... You will have to pay 149 ₽ for it.
- Don't want to reissue your card often? Order QIWI PayWave +: it is valid for 5 years. It is also distinguished by its stylish design.
- Nominal QIWI Visa Premium+ available to identified customers who have subscribed to the "Premium" package. The service will cost RUB 799 per year: you will receive extended cash withdrawal limits, free SMS notifications and fast technical support. True, practice shows that the answers of consultants, for all their efficiency, will not please with content. System users who paid for "Premium", just like regular customers, face blockages. It takes 3-4 days to wait for responses from the security service.
- Installment card "Conscience" is intended for interest-free payments in stores, restaurants and other establishments of the partner network. You won't be able to withdraw money from her: "Conscience" was released to encourage you to shop.
You will order a payment instrument on the website, indicating your full name and address. Then you will be prompted to choose convenient way delivery. You won't have to pay for postage, but courier services will cost 300 rubles. You can pay for the issue from a wallet in the system or from any card.
My personal experience with QVC
I have been using an e-wallet for 10 years and did not understand why there are so many negative reviews on the forums. Later I started to pay for purchases in the QVC network and did not think about bad things.
The first "bell" in real life sounded when 35,000 rubles disappeared from a friend's account. He had 2 wallets, and the cybercriminals withdrew money from both. At the same time, he noticed that 15,000 rubles had disappeared from one account, and began to call technical support. He was offered to draw up a written appeal, and while a friend was talking on the phone, the balance of funds was taken from the second wallet! At the same time, SMS did not come, and the security service, which blocks accounts with or without reason, did nothing. Later he was asked to write a statement to the police. Do you think the police will return the money that has already been withdrawn from the system through 10 QIWI accounts?
I drew conclusions and withdrew almost all the funds, leaving 700 rubles for minor expenses. After a month, I tried to buy a game from an online store and pay for QVC online. There were difficulties with the transfer of money, so I contacted support. It turned out that a verified wallet with a 10-year period of use and frequent QVC transactions was blocked. When the attackers were shooting tens of thousands, the security service was calm, but the purchase of the game seemed suspicious to her.
A few days later I received a letter in which I was notified of the termination of the contract. Can you imagine that a bank could afford such a step? And to receive the remainder, they requested notarized documents. It is clear that the services of a notary will cost more than 700 rubles. This means that QIWI will simply take my money. For myself, I concluded that it is better to walk to the nearest bank and get a reliable means of payment. Whether you want to use the QIWI Visa Card, decide for yourself.
QIWI virtual card: video
Conclusion
QIWI offers payment instruments issued in virtual and physical media. My experience has shown that the option on plastic is inferior to conventional banking products. The security system often makes locks, and it is problematic to resume access, and a percentage is taken for withdrawing cash. But the virtual instrument is convenient for online payments. The disadvantages include the same risk of chaotic blocking and disgusting work of technical support. But, if you don't want to go to the bank and get regular plastic, you can give QIWI a chance. Just heed my advice: keep an amount on QVC that you do not mind losing.
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Promsvyazbank
MasterCard Virtual from Promsvyazbank is a prepaid payment instrument. The application for the issue is made through the online service PSB-Retail ( My bank — Cards). For clients financial institution the maximum denomination of MasterCard Virtual is 300 thousand rubles, for other potential holders - 15 thousand rubles... You can familiarize yourself with the rules and tariffs on the bank's website.
Advantages of a card without a physical medium:
- issuing and receiving payment details instantly
- payment for issuance in the Internet bank from an account or card of another bank
- free SMS-informing and 3D-Secure services
- issuing a card with the required limit for each purchase
- replenishment of the card account via the Internet bank
- validity period of each card is 3 months
Virtucard from Russian Standard Bank
Virtu MasterCard
The card is valid for up to 6 months, the possibility of a free issue
The virtual card of the Russian Standard Bank can be ordered in several ways: on the bank's website (for a fee), in the Internet bank, mobile bank, self-service devices and partners' cash desks. Account size must be within 100 rubles-100 thousand rubles... Holders take part in the "Discount Club" program, the objects of which are hotels and restaurants.
Mastercard Virtual from Alfa-Bank
MasterCard Virtual is received through the Alfa-Click online service. Its release is worth 49₽ and the annual service is free.
It is possible to open with a set limit for making only one transaction, after which the payment instrument can be deactivated and closed. The payment instrument operates on the basis of the same tariff plans as the plastic one.
Visa and Mastercard from Sberbank
It is issued in the personal account of the Internet service "Sberbank-Online". Additional copies are not issued, but it is possible to issue two versions for one client (one copy from each of the payment Visa systems and MasterCard). Tariff plan is a pilot.
Step-by-step instructions for issuing a Sberbank card without a material carrier:
- log in to your Sberbank Online account
- follow this link Application for a virtual card
- In chapter Map view select card
- in field Currency- rubles, dollars or euros
- the name field is filled in automatically
- enter your phone number in the field Mobile phone; the service “ Mobile bank", That is, all passwords and notifications will be sent to him
- in field Mobile operator enter the name of the telecom operator by clicking on the link Select from the directory
- specify the rate in the section Mobile bank tariff: Full or Economy (no monthly subscription fees, but no transaction notifications)
- click Send a request
- confirm the application and the correctness of the entered data with the code from the SMS
Visa from QIWI
Qiwi Visa virtual card
- the total balance of the card and wallet
- payment on any website on the Internet
- availability of payment details in the wallet
A virtual QIWI Visa Card is created to open. You can register it in your personal account. Its details are sent to the holder via SMS. Limit on the maintenance of funds - 15 thousand rubles, to pay for goods in online stores - 40 thousand rubles in one calendar month.
Account management services
In order to freely perform transactions and control the state of the account, the virtual card must be serviced in the online services of the issuing bank. These are Internet banking, SMS banking and Mobile Banking.
Safety of use
Virtual cards Visa and MasterCard have a higher degree of protection in contrast to the plastic equivalent. In order to make a payment, you will need to enter and confirm the payment with a one-time password - it will come to the holder's mobile phone number in response to a transaction request.
An important role is played by the fact that full information about the details and the three-digit code is not available for the view of third parties, as it happens when calculating at the stationary cash register of the store. All information - the number of the payment instrument, the expiration date and the three-digit code - can only be seen by its owner. In addition, he can set limits on the amount of expenses, which, in the event of a “hacking” of the card, will prevent cybercriminals from writing off a large amount of money.
An additional security measure for a virtual card is the Verified by Visa and MasterCard Secure Code special security technologies.
Beneficial sides
A virtual card provides its holders with a number of advantages:
- multilevel system of account protection from criminal encroachments
- validity period and limit on transactions are set by the owner
- registration without the need to visit a bank branch
- versatility in comparison with e-wallets, which not all online stores accept for payment
- no need to wait for the bank to manufacture the product and send it to the nearest subdivision (as it happens with the plastic version) - the virtual card is issued instantly
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