Virtual cards Visa, Mastercard. Virtual card Visa, QIWI, Mastercard

Virtual debit card-nothing more than a product of development modern technologies. The growing popularity of such a new product accordingly increases the demand for such an offer. The article will discuss the most accessible and profitable virtual cards, as well as the conditions and procedure for issuing them.*

Offer 1. Card without physical media from Sberbank of Russia

Customers are offered attractive service conditions, security and protection of online purchases made using the card. For a year of servicing a virtual account, the bank will charge only 60 rubles. Also, for the convenience of holders, it is possible to link the card to existing ones.

The capabilities of this Sberbank product are as follows:

• supports Visa or MasterCard payment system (customer's choice);
• opens only in Russian rubles;
• valid for three years;
• allows you to pay for goods and services online;
• available for management using mobile and Internet banking.

It is impossible to set a credit limit on the card, and also to receive wages on it.

To issue a card, you must meet the following requirements:

• be a client of Sberbank;
• conclude a special service agreement with the bank;
• have at least one valid debit card issued by Sberbank;
• be serviced within the framework of the Sberbank Online and Mobile Bank services.

If all the above points are met, the client just needs to call the bank’s special helpline number and order the operator to issue a virtual card. In this case, the bank employee will definitely request the details of the current debit card. Therefore, when making a call, you must have the latter with you, or remember its details. After confirming all the client’s data and there are no other obstacles to opening an account, the card is issued. A corresponding notification and code will be sent to the subscriber’s phone. The card number and its validity period are available in the “Personal Account” of the Internet bank.

Upon expiration of the card, it is reissued by the bank automatically. In this case, only the validity period changes and an SMS with a new security code is sent to the phone. If the last notification has not arrived and the card has expired, you need to contact support.

Replenishment of the card is carried out non-cash using the Sberbank Online service and self-service payment terminals. In the latter case, only the “transfer from card to card” option is available.

Proposal 2. WebCard from Gazprombank

As in the previous case, this offer is issued to work only in one of the payment systems: Visa or MasterCard. A special feature of this virtual card is that it can be issued as a main and/or additional account. That is, there is no mandatory condition for having a regular debit card.

To issue a WebCard you must:

• contact a Gazprombank branch;
• inform the operator of your intentions;
• fill out the application and provide identification.

After signing the agreement to open a bank account, the client will be given card details directly at the branch. After this, the service of paying for purchases on the Internet becomes available.

The following tariffs are set for card servicing:

• issue and renewal of a virtual account – 85 rubles. per year;
• payment for purchases and card replenishment – ​​0%;
• provision of an account certificate – 50 rubles.

The advantage of the bank is wide range WebCard replenishment methods:

• depositing cash through a bank teller;
• processing a transfer from card to card using ATMs, payment terminals and online banking;
• use in the case when the main virtual account is attached regular card MasterCard Unembossed.

Offer 3. MasterCard Virtual from Alfa-Bank

This offer is valid only as an additional offer. Therefore, the product is available only to existing bank clients who already have at least one card. If it is not a bank client who applies for an account, then he will be offered to first arrange a certain package of services and only then will he be given permission to issue a card.

Alfa-Bank's advantageous offer is that it does not charge a fee for annual maintenance of a virtual account. The only thing the client will have to pay for is to issue the card. The amount of such a one-time contribution is 49 rubles.

In addition, the advantage of Alfa-Bank is that it allows you to issue a card online. To carry out this procedure, it is enough to have access to Internet banking and use it to open a virtual account.

Tariffs for card transactions depend on the package of services chosen by the client. This issue is determined individually, depending on the wishes of the holder.

Offer 4. MasterCard “Internet card” from Uralsib Bank

The institution gives its clients the opportunity to open a virtual account in one of three currencies:

• Russian rubles;
• US dollars;
• Euro.

The cost of the registration procedure is 100 rubles. And you will have to pay the same amount for 12 months of card maintenance. You can pay for services online for three years.

The procedure for obtaining a virtual card is no different from general order. A client with a passport approaches a bank office and declares his intentions. Based on this, the manager issues an application for a card and carries out its execution.

The Internet Card product provides the following capabilities:

• payment for subscriptions, information services, goods and other payments on the network;
• managing funds using Internet banking;
• participation in the Uralsib Bank loyalty program.

There are also two restrictions on the card:

Proposal 5. Virtual card from Rosselkhozbank

The capabilities of the offered product are standard. The whole point is to pay for goods/services via the Internet without a physical medium. The specificity of the card is that it has a limit on spending transactions, which depends on tariff plan client and is installed for the entire validity period of the “plastic”. You can get a virtual card in many ways:

• at an ATM or terminal;
• by contacting a bank office;

The validity of the card is limited to the period for which it was issued and one additional month. This was done so that bank clients could issue new map and use the old one at the same time. After the end date for using the account, it is closed by the bank automatically. A card is issued only for an already opened account.

Offer 6. VirtuCard from Russian Standard Bank

The card is issued only in the national currency of the Russian Federation, for a period of 3-6 months. Product release is carried out in three ways:

• through the institution's website by filling out a special form;
• using Internet banking;
• through the use of a mobile phone.

For issuing a virtual account, the client is charged a commission, the amount of which depends on the method of registration. For example, an online application on the bank’s website guarantees free account opening. It is also possible to order a card number convenient for the client. This service will cost 100 rubles.

VirtuCard has additional privileges. Their essence is that holders receive certain discounts on purchases in stores, and also have the opportunity to save on purchasing air tickets.

Proposal 7. 3D-Secure technology from VTB24

This option is not a virtual card. But it is suitable for online shopping. The bottom line is that VTB24 does not issue virtual cards for clients. The institution only helps to protect the “plastic” of customers when paying via the Internet. This technology provides for the entry of a special account for any debit of funds. The bank sends such a one-time code every time before receiving an application to withdraw money.

The described system is not something new. It is also used by other financial institutions. But it is useful for VTB24 clients to find out how the bank takes care of their security.

You can activate the service at any ATM of the organization by indicating a special option. The possibility of obtaining the service through a visit to a bank office is also not excluded.

Proposal 8. Two virtual cards from Promsvyazbank

The institution has prepared personalized and prepaid cards for clients.

The first product, called MasterCard Virtual, has the following advantages:

• connected to the bank's bonus program;
• provided with additional protection when making purchases;
• available for replenishment in any convenient way;
• blocking is possible immediately after making a purchase;
• valid for two years.

The procedure for obtaining a personalized Internet card does not present any difficulties:

• the client leaves a request at a branch or via online banking;
• within five days he is informed about the release of the virtual product.

You can only pick up the card at the bank office. Clients can open several such accounts at the same time. The issue is carried out in one of three currencies: rubles, dollars or euros.

The good thing about a virtual prepaid Visa card is that it can be issued instantly and remotely. The product also has other features:

• The cost of the card can be paid via the Internet from the account of any financial institution;
• SMS information services are activated free of charge;
• a certain limit is set for each type of purchase;
• replenishment is carried out through Internet banking;
• The account is valid for three months.

You can pay for the card in the PSB-Retail Internet bank in the “My Bank/Cards” section.

Offer 9. Virtual card from MTS Bank

The product is attractive because it can be used to pay for a huge range of services and goods. In addition to online stores, the card can be used when issuing air and train tickets, ordering paid services V social networks or mobile applications, paying off traffic police fines and even paying utilities.

The account is opened only in rubles through. The maximum card limit is 100 thousand rubles, and the latter is valid for six months. There is no limit on the use of funds per month.

Many users who frequently make purchases online are interested in the opportunity to open a virtual card. This is a very convenient option for making purchases, which allows you to reduce the time for conducting payment transactions. One of optimal solutions is an offer from Sberbank of Russia. When creating this card, specialists did everything to simplify operations for users.

The virtual Visa card, designed specifically for making online payments, is very convenient. Authorization occurs quickly and without unnecessary delays. In addition, she has increased level protection. To make a purchase, you not only need to know its code, but also enter one-time passwords received via SMS to the phone attached to the card. The main factor for its use is access to the Internet. If there is one, then the virtual Visa card is available around the clock.

How to open a virtual account

It will not be possible to get an exclusively virtual account. Initially, you need to become a client of the bank, enter into an agreement with it and order the issuance of a debit card. Only after receiving it does the client have the opportunity to order an additional card intended for making payments in the virtual space.

You can consider step by step the procedure for opening such an account under the conditions offered by Sberbank. A virtual Visa card will be received after the following operations:

1. First you need to go to the bank’s website (its official version).
2. When ordering a physical debit card, you need to select from the list offered on the website the most suitable and nearest branch to you, where you can come at the agreed time and pick up your order.
3. If you are not familiar with addresses, you can find out the location of the branch on the map on the website. There you can find not only the selected address, but also find out where other branches are located.
4. After this, using the site menu, you need to place an order for the creation plastic card. Or you should contact the department directly, where consultants will help you prepare all the necessary documents.
5. Once you receive a physical plastic card, you can order the issue of a medium for online payments on the bank’s website.

Types of bank debit cards

There are physical and virtual debit cards. The first ones are produced in the form of a plastic carrier, with which you can make purchases in stores through terminals, use ATMs, etc. The second option does not have a physical medium.

To receive physical card The client waits from ten to twelve working days. To apply for a virtual Visa card, you definitely need to have a basic plastic one. It is to this that the additional account will be attached. Its release will take no more than a day from the moment the user creates the corresponding application.

After receiving the physical media, before you start creating a virtual account, you should definitely connect the card to two bank services. The card must be attached to the organization’s mobile service, as well as registered and connected to online banking. This will allow you to use everything functionality accounts and will expand the range of possibilities for using this product.

Registration in Internet banking

Having become the owner of a bank debit card, sooner or later every client has a desire to learn and take advantage of all its functionality. On at the moment The most common and popular service has become account management via the Internet. Almost every bank offers its clients such a service. In order for the virtual Visa card to be connected, just go to home page official website of the organization, find the required menu item and go through a quick online registration in the Internet banking system.

For greater security of the client’s data and financial assets, it will be possible to access the personal account and complete registration only using one-time passwords, which are automatically sent by the system to the phone number attached to the card. You must fill out everything necessary details, otherwise you will not gain access to the system.

Benefits of online banking

After registration is completed, the client has a personal account on the bank’s website. With it, you can manage all your accounts online, from any device that can support an Internet connection. In addition to financial management, clients also have the opportunity to connect additional services, as well as closing existing ones and opening new ones, including virtual Visa and Mastercard cards.

Main Features

The main feature of a virtual card is that it fully retains all the functionality of a plastic card, but at the same time exists exclusively in virtual space. Its physical counterpart is not subject to release.

After completing an application for the issuance of such a card, the client is assigned a special six-digit code corresponding to the account number. In addition, he receives additional CVV2 and CVC2 codes. The client receives the last two values ​​in the form of an SMS message. These can be requested separately for online purchases.

To expand the range of services on the card, you can also connect to a mobile service. The service is needed to connect a mobile number and a bank card number. A one-time password is sent to the client’s phone to confirm registration.

How to connect a card

When mobile and Internet services are connected, and the client has received a debit card and signed an agreement with the bank, they begin to open a virtual account. Next, to create a virtual Visa card, you need to use Internet banking. If we are talking about Sberbank, then you should find the “Debit Cards” tab and, following the explanations in the menu, follow the links until a list of virtual cards that can be issued appears on the screen. Next to them will be a description of the conditions for their use and all the information about what is needed to connect them.

How to open an account

You can issue such a card in two ways: personal account on the bank's website or by visiting a branch. Via the Internet, you just need to go to the menu item: “Tariffs and registration” and select from the list the product that suits you best. If you have any questions, you can call hotline bank and get advice from a specialist. Basically, a virtual Visa bank card has a service life of up to three years. It is very convenient that you do not need to additionally contact the bank to renew it, this process occurs automatically.

Protection and safety

At the moment, banks are trying to maximize the protection of their products. Each card is protected by a transaction confirmation function using SMS passwords. If desired, the client can order additional security checks, including authorization using a fingerprint or personal identifier. With its help, you can safely transfer money from electronic wallets of other financial systems. You can also top it up through a terminal or ATM. If the virtual Visa card is closed at the request of the client, then all funds will automatically be transferred from it to the debit card to which it is linked.

Good afternoon

You really made the right decision when you decided to apply for a virtual card.

To apply for a virtual Visa, go to a bank branch with your passport and today you will have its details. Many payment systems offer the issuance of virtual cards online, but if you are still interested in security, it is better to contact a real contractor, to whom you can make claims should they arise.

Here are some banks that issue virtual cards:

• – 60 rub./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 online banking is free, through an application on the bank’s website – 25 rubles + 2%.
• Bank of Moscow – 2 USD/year
• VTB24 – 500 rub./year
• Renaissance releases a virtual “Corn” with a credit limit, it costs 100 rubles. You can apply for it at the nearest Euroset.
• issues virtual cards designed for only 15 transactions.
• Vozrozhdenie gives a free virtual card to all its clients
• Otkritie Bank takes only 29 rubles one-time, but limits the limit to 50 thousand.
• MTS Bank issues cards for free, but replenishment will cost 0.75% (at least 50 rubles).

Shopping for various types of goods and services through the World Wide Web is becoming increasingly popular. This ensures quick shopping, instant payment for services and saves a lot of time. To protect your money as much as possible, experts recommend using virtual cards.

Visa virtual card - what is it?

This is a special payment card that is designed for purchasing various goods and services via the Internet. For example, you can pay for:

• a toy for a child;
• fortune telling using virtual tarot cards;
• virtual consultation with a psychologist and much more

A virtual card is usually presented only in electronic form. But many banks, for the convenience of their clients, produce additional “plastic” on which all the Visa virtual card details are applied:

• number;
• month and year of expiration;
• security code CVV2/CVC2.

At the same time, the virtual Visa card does not have the usual characteristic bank attributes:

• magnetic stripe;
• hologram;
• owner's signature.

Because of this, it is impossible to pay with a Visa virtual card in regular 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 purchasing it you do not need to provide your personal data to the seller. And this reduces the risk of your account being hacked by about 80%, according to bank security officials.

Visa virtual: how to create/buy a card. Instructions

1. 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 your first and last name, indicate your phone number and address email. The whole procedure will take just a few minutes.
2. Top up your email account.
3. Go to the website of your preferred bank or payment service, which offers its clients to create virtual card, and apply for it.
4. Pay the required amount (including a small commission) using electronic money. After this, you will receive the necessary card details to use it. You can use Visa card

   irtual buy both permanent and temporary.

Qiwi visa virtual

Using the Qiwi payment system, you can make purchases on those sites where Visa cards are accepted for payment. When purchasing a Qiwi virtual card, a commission of 2.5% is included in its price. The amount depends on the card value. There is also a limit on the Qiwi Visa virtual card for the use of finances (30,000 for a ruble card and 1,000 for a dollar card).

How to create Qiwi V isa virtual

If you have a wallet in the Qiwi system, it is enough:

• apply for a card;
• indicate the desired denomination and your mobile phone number. An SMS message with details will be sent to it. Through Qiwi, your Visa virtual wallet can be topped up an unlimited number of times. It is valid for eight weeks. How to top up Qiwi Visa v virtual? Simply transfer the required 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 no commission is charged upon registration.

You can also link your card to Visa virtual Paypal. Please note that at the time of linking a small commission will be charged .

Visa virtual: how to top up

Any payment terminal available to you can easily handle 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.

1. Top up your virtual wallet only with the amount you need for payment. This will protect your personal funds from scammers operating online.
2. If after payment you still have funds on your virtual card, it is best to transfer them to your bank account.
3. Despite the fact that the virtual wallet is reliable to use, you should not make purchases on unverified sites and provide sellers with your details.

Offers many varieties of plastic cards. With the development of trade on the Internet, virtual Visa and MasterCard cards appeared. What are virtual cards and how to use them? What is the reason for their popularity? Let's try to figure this out.

What are virtual cards?

This is a special type of payment cards that are designed for making payments and paying for purchases on the Internet. They do not have a physical medium, so you won’t be able to pay with them in stores, or top up or withdraw money from them at ATMs.

A virtual Visa or MasterCard card, despite the fact that it does not exist in physical reality, has all the necessary degrees of protection and details. It has a specific number, security code, and expiration date, which are usually indicated when making payments. And electronic degrees are protected, like on plastic ones bank cards ah, in the form of a magnetic strip on the back, it doesn’t have them, since they are not needed at all.

VisaVirtual

The Visa virtual card belongs to one of the most popular payment systems in the world. The period of its validity is strictly defined and set directly by the bank in which it was issued. A Visa card can be used to make most payments online.

MasterCardVirtual

Also, many banks offer their clients to issue a virtual card and another equally popular payment system, MasterCard. Moreover, it is practically no different from the aforementioned Visa. It is also issued in all major Russian banks.

Advantages of virtual cards

Why is a virtual Visa or MasterCard best for online shopping? Its most important advantage is that it is sufficiently high degree security of settlement transactions. Rest assured that after making payments using your main plastic bank card cash will not be withdrawn by scammers.

A separate type of financial fraud when making payments via the Internet is called phishing. Why is it dangerous for owners of plastic bank cards? Typically, when making payments, online stores request not only the card number, owner’s name, expiration date, but also the CVC code, which is indicated on the back. No one is immune from the fact that store administrators themselves can use this data at their own discretion. The obtained data can be used by fraudsters when making other purchases or when withdrawing funds from the card.

It is simply impossible to carry out such fraud with virtual cards. The amount that can be written off from them has restrictions (the limit can be set by the owner). The validity period of these cards is also short (several months). Many cards are only valid for one purchase, meaning they cannot be used repeatedly.

Moreover, issuing banks guarantee high level security, since they use Verified by Visa and MasterCard Secure Code protection technologies, which are equally the most reliable and effective. Also, all virtual cards are connected to the “SMS Service” service: when making a purchase on mobile phone a confirmation code arrives.

How to make a virtual Visa/MasterCard card

The issuance of a virtual card is possible only under one mandatory condition: you must have a plastic carrier of one of two systems (Visa or MasterCard). In most cases, banks issue a virtual card and link it to its main debit card. Virtual credit card Visa or MasterCard are rare. In Russia, one of the few banks that issues credit cards without physical media is Alfa Bank.

Sometimes banks offer virtual cards to customers who have an account. However, it is not necessary to have a debit card.

Cards can be issued in several ways. The most popular of them is registration through mobile or online banking. During the collection process, customers are asked to set a transaction limit and select a validity period. The card is replenished quickly and easily. This can be done either with a main debit card or through an ATM.

By the way, some banks offer to issue a card through a payment terminal. However, a commission is charged for this by the payment system and the organization that owns the terminal.

The most time-consuming way is to register at a bank branch. It is necessary to sign a banking service agreement, after which the details are issued.

Sberbank offer

The largest Russian bank, Sberbank, can also issue a virtual card. Visa Sberbank(or MasterCard) can be issued only under the following conditions:

• the client entered into an agreement with Sberbank on banking services;
• the client is the owner of a debit plastic card;
• The Sberbank Online and Mobile Bank services are connected to the client’s cards.

A user can have only one card of one payment system. So, for example, if he has two cards (Visa and MasterCard with physical media), then the issue of virtual ones is limited to two, respectively. The validity period of virtual cards is three years.

To get a card, you need to contact the Sberbank office or call the contact center. It is replenished by non-cash transfer from the main account through the Sberbank-Online system or at an ATM.

It is worth noting that this process is not the fastest or most convenient. In addition, only reusable virtual cards are offered.

Non-bank cards

In addition to banks, the payment systems Yandex. are issuing virtual cards. Money" and "WebMoney".

“Yandex.Money” guarantees that the card of their production will be accepted by those online stores that do not credit funds from the accounts of this system. These cards, in fact, belong to one of the Yandex.Money partner banks and the MasterCard payment system. The commission for issuing a virtual card is relatively large - 1.99% of the amount in the account, and the limit on transactions is up to 14 thousand rubles.

Yandex also offers a less expensive option: linking a physical card to an account in the payment system. When conducting settlement transactions, funds will be debited from a bank plastic card, so security will be guaranteed both by the system itself and by Yandex.

WebMoney virtual cards also belong to MasterCard. However, the commission is much less - 0.8% of the maximum replenishment amount.

How are calculations made?

Confirmation of the authenticity of the virtual card is its number, expiration date and three-digit code of numbers. These parameters are entered during calculations. Thus, payments with a virtual card are not fundamentally different from transactions with regular credit cards. A verification code may also be required, which is sent to the client's mobile phone.

A virtual Visa or MasterCard card is a very convenient invention that guarantees absolute security when paying for purchases in online stores. The process of using them is simple and intuitive. Moreover, almost all large banks issue cards of this type, and clients do not have to contact the office for this. The user can be absolutely sure that the card will not be lost or used by fraudsters.