What is a virtual card and how does it work?
Virtual cards
A virtual card is a payment instrument that doesn’t have a physical form. It’s not made of plastic and doesn’t include any other typical physical components such as a chip or magstripe.
Virtual cards shouldn't be confused with digital cards which are physical cards uploaded in a digital wallet like Apple Pay or Google Pay.
Card types
Form
Type of payments
Use
Physical
Physical, made of plastic
Perform all types of credit or debit payments
Typical credit card
Digital
Physical, uploaded in a digital wallet
Perform all types of credit or debit payments
Same as credit
Virtual credit
Only online, no physical form
Perform all types of credit or debit payments
Same as credit
Virtual debit
Only online, no physical form
Doesn’t work with credit
Reduced-risk alternative as it doesn’t work with credit
Tip: To request or manage cards follow these instructions.
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