Are you wondering how to pay for online purchases without a plastic card? You can do it using a virtual payment card. Find out what this modern solution is and why it's worth having it always at hand.

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Key information

A virtual payment card is a digital equivalent of a traditional card. It provides a high level of security for online transactions. It's a convenient and practical solution for individuals and entrepreneurs who want to streamline their payments and increase control over expenses.

What is a virtual payment card?

A virtual card is a digital equivalent of a traditional payment card. You won't hold it in your hand because it only exists in a virtual banking system (it's stored there). However, in terms of functionality, it does not differ from a classic payment method; it has, among other things, a CCV/CVC code and an expiration date.

What are the types of virtual cards?

You can opt for:

  • virtual debit card – it is linked to your personal account, so you can use the available balance. It will be useful for everyday online payments.
  • virtual credit card – you use money within the granted credit limit. When you spend money on purchases, you must replenish the limit within a specified period – then you will not pay interest. It will be useful in case of unforeseen business expenses or as a financial safety buffer.
  • virtual prepaid card – to pay with it, you must first top up funds to your digital wallet, e.g., Google Pay. It will be great for online shopping on foreign portals.

Want to learn more about payment cards available on the market? Read our article: What are the types of payment cards?

Is it worth having a virtual payment card?

It's up to you, but if you frequently settle accounts with clients, a virtual credit or debit card can increase your comfort. It will be useful for several main reasons.

  1. It provides a higher level of security – it has no physical form, so there is less chance of losing it or someone stealing it.
  2. Your data is protected by modern mechanisms, e.g., one-time authorization codes, transaction limits. You will minimize the risk of unauthorized transactions, which is especially important when you use, for example, Apple Pay payments.
  3. You have immediate access to the virtual card from the mobile application, so you can constantly monitor your expenses and conveniently make transfers.
  4. You will manage company finances more easily – you have real-time insight into payments. This will allow you to analyze business transactions faster and more effectively and assess their profitability.

Virtual cards are a practical solution created for modern entrepreneurs who value convenience in settlements. Digital payment methods are also an ecological alternative to traditional plastic, so you will also take care of the environment.

Learn about other payment solutions that may be useful in e-commerce.

Where can you get a virtual credit or debit card?

You can get a virtual credit or debit card at any bank. It is worth asking first at the bank where you have a personal account, as there is a high chance you will get an attractive offer. At the same time, there is nothing to prevent you from applying for a virtual card at another bank. In that case, however, pay special attention to the amount of fees for maintaining the account linked to the card.

Did you know that…?

According to the NBP report "Information on payment cards in Q4 2024", at the end of December 2024, there were 878.6 thousand virtual cards in circulation. This is 156.8 thousand more than at the end of September 2024. This accounts for 1.9% of the total number of payment cards, but interest in them is gradually increasing.

How to use a virtual payment card everyday?

You can pay with a virtual credit, debit, or prepaid card just like its plastic counterpart.

  • For online purchases – you enter the necessary data in the form, e.g., CVC code, expiration date, or use a virtual wallet. Then you follow the instructions.
  • For mobile payments in brick-and-mortar stores, you can pay with your phone or watch if you add a virtual card to an electronic wallet, e.g., Visa mobile.

See also other payment methods.

Virtual credit card – frequently asked questions (FAQ)

1. Is a virtual payment card safe for online shopping?

Yes, virtual cards offer additional security features such as one-time numbers and transaction limits, which protect against unauthorized use. The lack of a physical card reduces the risk of theft or loss.

2. Does a virtual card work everywhere a regular card does?

A virtual card is primarily designed for online payments and mobile applications, but it cannot always be used in traditional stationary terminals. However, many cards can be added to electronic wallets, which extends their use.

3. How quickly can I start using a virtual card?

A virtual card can usually be generated and activated immediately in the bank's or fintech's mobile application. This gives you instant access to digital payments without waiting for a physical card to be shipped.

Virtual payment card – summary

A virtual payment card is a convenient and secure solution that is increasingly replacing traditional plastic. With it, you'll ensure data security, gain better control over expenses, and get quick access to money.

Check out Przelewy24's wide offer and provide your customers with greater comfort during everyday payments.