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What Is a Virtual Card Number?

Understand card numbers designed to reduce exposure of the underlying physical card number.

Quick Answer

A virtual card number is generated by a participating issuer/service and can be used instead of the primary card number under that provider's rules.

Step by Step

  1. Use the merchant, marketplace, carrier, bank, or card issuer's official website/app rather than a link in an unexpected email or text.
  2. A virtual card number is generated by a participating issuer/service and can be used instead of the primary card number under that provider's rules.
  3. Save receipts, order numbers, tracking details, cancellation notices, and relevant communications.
  4. For unresolved billing or delivery problems, follow the official merchant/payment-provider escalation process and observe any applicable deadlines.

If That Doesn't Work

  • Pending authorizations, merchant billing names, refund timing, and dispute rights vary by merchant, financial institution, payment network, and transaction type.
  • Never send passwords, one-time verification codes, full card credentials, or remote computer access to someone who contacts you unexpectedly about an order or payment.