Visa and Mastercard virtual card. How to make a virtual Visa card?

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Virtual cards are mainly intended for making payments on the Internet. If you really like online shopping or just want to pay for services quickly and safely, then you need to get such a card.

What are virtual cards?

Today, almost every bank provides this service. What are Visa and MasterCard virtual cards in general? As a rule, these are the most common plastic cards, but they do not have a magnetic line. In addition, it can be a simple bank account. The card itself indicates its sixteen-digit number, the owner's data and the expiration date. The secret security code, consisting of three digits, is issued only to the owner personally on the card account. These cards are valid for only one year. The cost of annual maintenance is within two hundred rubles.

The most important advantage that Visa and MasterCard virtual cards have is their security. Not worth itpay for purchases on the Internet with salary or deposit cards, as there is a very high risk of running into scammers. Thus, at one moment you can generally be left without all your savings, which will be almost impossible to return.

You are allowed to credit the virtual card account with exactly the amount you want to spend. It will not be possible to exceed the transaction limit on the card, so the risk of remaining in debt to the bank during a hacker attack is minimal. The only inconvenience of such cards is that funds are credited to it only through the cash desk of the bank that issued the card. Accordingly, you will still have to visit a bank branch from time to time, but, for example, the Sberbank virtual Visa card makes it possible to replenish it through the Internet bank. But safety comes first here. For such cards, the service of SMS informing and Internet banking is also provided. If you have detected extraneous activity, then you can easily block the card by phone.

Virtual cards are mainly used to pay for purchases through online stores around the world, pay for railway tickets, pay for tickets for events, online services and other electronic payments.

Visa virtual card is not intended for payments through ATMs and terminals.

What is Visa QIWI Wallet?

Qiwi wallet is a personal account in the Qiwi system, which is a network of offline terminals for receivingelectronic payments. They are very popular throughout the country and neighboring countries. In addition, the system also has its own bank, which was opened, perhaps in order to fully comply with the requirements of the new legislation on electronic payment systems.

With the help of the Qiwi system, you can make a variety of payments online. You can also pay through terminals. And if you have a virtual Qiwi Visa Card, then payment becomes generally hassle-free. You can replenish your wallet in several ways: through a bank transfer from a card, through a terminal, electronic money, phone balance, and so on.

Today, the Qiwi company is actively cooperating with the Visa payment system, due to this, its capabilities have become much wider. And the wallet, previously called simply Qiwi, is now called Visa Qiwi Vallet. Three different types of debit cards can be registered under this program.

Qiwi Visa Virtual Cards

This virtual card is designed specifically for making payments through online stores. It has a validity of only three months. Together with the card, you are given a number and a three-digit security code. Before making a virtual Visa card, you will have to pay 2.5% of the existing balance, but not less than 25 rubles. In general, it is assumed that you issue a card for a one-time purchase with simultaneous replenishment of the balance by the required amount. Card payments are made withoutany commissions. It is allowed to have several such cards for one wallet.

Qiwi Visa Card

This card is issued for only one year, and its balance is combined with the balance of the wallet. In addition, all card details will be sent to you via SMS, with which you can pay for services via the Internet. To date, payments and the issuance of the card itself are carried out without commission. One account allows you to issue only one such card.

Qiwi Visa Plastic

Such a virtual Visa card is already recognized as a full-fledged plastic rectangle that allows you to pay wherever Visa cards are accepted. In addition, as provided by Qiwi, a virtual Visa card of this level even allows you to withdraw money from ATMs. If you make such a card and order its delivery by mail, then it will cost only one hundred rubles, courier delivery will be more expensive. As for additional fees for withdrawing funds from the wallet to such a card, this should be clarified in advance.

How to register for Visa Qiwi Wallet?

Registration is carried out using the terminal or the Internet. We will analyze the second option.

First you need to go to the official page of "Qiwi" wallet, click on the "Register" button and fill out a short form. You only need to enter your phone number and captcha.

After some time, a message with a password to enter your personalcabinet. Now you can go to your personal page and see the list of payments made and the types of cards available.

So, after entering the payment system, you can issue a new card. But if there is no desire, then you can not do this, since the system itself allows you to pay for various purchases and bills.

How to register a virtual Qiwi Visa Card?

To do this, you must first select the "Cards" section and see what cards are generally available in the system. Then you should select the Qiwi Visa Card icon and click on "Get".

Next, you need to fill in all the data in Latin in the application form for issuing a card. If everything is done correctly, then the virtual Visa card will be issued. And the phone will receive a message with the number of the new card, other details can be viewed through your personal account.

Now it remains to make payments or purchases to replenish your balance in any convenient way.

What are the disadvantages of a virtual Visa card?

We mainly talk about the advantages of these cards, but, like any other banking product, they must also have certain disadvantages. Of course, without them, just nowhere.

There are a very large number of types of payments today, but sometimes there are those that, unfortunately, cannot be paid in this way. Most transactions have a limit on amounts, which is not always convenient. Persome transfers, payments and top-up methods also have large commissions. For this reason, you should definitely look carefully at the final payment amount and, if possible, choose a payment method that has a minimum commission.

Another small drawback is that it is impossible to replenish the balance through Sberbank, since the bank's management refused to cooperate with the Qiwi company, because they see it as a serious competitor in mobile payments.

But at the same time, these shortcomings are compensated by the fact that the types of payments are diverse, most of them can still be made using a card, because Visa Qiwi Wallet is a flexible and universal system.