Virtual Visa Card (2024)

FAQs

Can I get a virtual Visa card? ›

Although Visa doesn't offer virtual Visa cards on their own, some card issuers offer them as a feature attached to a credit card or debit card account. Alternatively, you can connect a bank or debit card account to a virtual Visa card service provider to then generate virtual Visa cards.

Many virtual Visa cards allow you to transfer the funds to your bank account. This is usually the cheapest and easiest way to get your money. To do this, you will need to log in to your virtual Visa card account and find the option to transfer funds.

Unfortunately, if you don't have a physical card, you cannot get money off a virtual card through an ATM. However, you can link a virtual card to your physical credit or debit card or mobile wallet. This action makes it possible to withdraw cash at ATMs.

Since they are not plastic, they can only be used by businesses to make purchases online or over the phone. Brick-and-mortar stores are not equipped to accept virtual business cards. However, the virtual business cards can be used to make remote purchases from any merchant or supplier that accepts Visa cards.

Get a virtual debit card instantly from Zil, a cloud-based banking platform, and start using it as soon as you apply for it. Zil virtual cards are an easy way to spend more securely and safely. You can shop online or at any merchants that accept Visa cards and contactless payment.

Adding your debit card to your Digital Wallet means you can get cash using your phone. Just select your card in your wallet and hold your phone over the Contactless Symbol at any Bank of America ATM.

Transfers or deposits

Virtual cards cannot be used for any type of transfer or deposit. If you attempt to make a transfer using payment apps such as Cash App, Venmo, PayPal, etc., the transfer will not be processed, and you will have to wait 3–5 business days for your funds to be returned to your account.

What is the difference between a Visa debit card and a Visa virtual card? ›

The difference between a physical card vs virtual card

The main difference is in their design. A traditional credit card shows your account number, CVV code and expiration date clearly printed on its front and back. A virtual credit card exists only in digital format, without a physical presence.

Virtual credit cards are a digital version of your physical credit card. They generate a unique credit card number for you to use in place of your physical card number, preventing the merchant from storing your credit card information and keeping your financial data more secure.

Major credit card companies like Mastercard, Visa, Capital One, and American Express issue virtual credit card numbers as a way to provide an additional layer of security for online purchases or to limit spend to an account. Virtual credit cards are completely legal and available for mainstream use.

If you need to send a gift card in a hurry, select a Visa® Virtual Gift Card for near instant email delivery.

Visa® Prepaid Cards or Mastercard® Prepaid Cards are generally accepted worldwide wherever Visa or Mastercard Debit is used. Virtual cards work for online or phone payments but not in physical stores. On the other hand, physical cards can be used in retail stores, online, or over the phone.