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What is virtual credit card?

A virtual credit card (VCC) is a digital alternative to a physical credit card, providing a unique, temporary credit card number for online transactions. Here’s a detailed overview:

Features of Virtual Credit Cards

  1. Unique Card Numbers: Each VCC generates a unique card number distinct from the primary credit card number. This number can be used for one-time purchases or set to expire after a specified period, enhancing security for online transactions.
  2. Linked to Physical Cards: Virtual credit cards are linked to your actual credit card or bank account, and charges made using the VCC are reflected on your primary credit card statement.
  3. Enhanced Security: By using a VCC, you protect your actual credit card number from potential theft or fraud. Since VCCs can be set for single-use or limited to specific merchants, they reduce the risk associated with compromised card details.
  4. Controlled Spending: Many VCC services allow you to set spending limits and expiration dates, giving you greater control over your online purchases and budgeting.
  5. Ease of Use: VCCs can be generated instantly via your bank’s website, a mobile app, or through specialized VCC providers. Once created, the card details can be used just like a regular credit card for online shopping.

How to Obtain a Virtual Credit Card

  1. Banks and Financial Institutions: Many banks offer virtual credit card services to their customers as an added security feature. Check with your bank or credit card provider to see if they offer this service.
  2. Dedicated VCC Providers: There are specialized companies that provide virtual credit card services. These might be independent providers or fintech companies that integrate with your existing financial accounts.
  3. Payment Services: Some payment platforms, like PayPal, offer virtual card numbers as part of their suite of financial services.

Advantages of Virtual Credit Cards

  • Security: By using temporary numbers, VCCs protect your real credit card information from theft.
  • Convenience: They are easy to generate and use, especially for online purchases.
  • Control: Spending limits and expiration dates help manage and control spending.

Potential Drawbacks

  • Limited Use: Some merchants, especially those requiring a physical card for verification, may not accept virtual credit cards.
  • Service Availability: Not all banks or financial institutions offer VCC services.
  • Compatibility Issues: There might be challenges with recurring payments if the VCC expires before the service renews.


Virtual credit cards are a powerful tool for enhancing the security and convenience of online shopping. By using a VCC, you can protect your financial information, control spending, and minimize the risk of fraud. Always check with your financial provider for availability and specific features offered by their virtual credit card service.

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