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

Virtual cards are mainly designed for making payments on the Internet. If you really like Internet shopping or just want to pay for services with speed and security, you need to get such a card.

What are virtual maps?

To date, almost every bank provides such a service. What are Virtual Cards Visa and MasterCard? As a rule, these are the most usual plastic cards, but they do not have a magnetic line. In addition, it can be a simple bank account. On the card itself is indicated its sixteen-digit number, the owner's data and the validity period. A secret security code consisting of three digits is issued only to the owner personally on the card account. Such cards only last one year. The annual service cost is within two hundred rubles.

The most important advantage that virtual cards Visa and MasterCard have is their security. Do not pay for purchases on the Internet with salary or deposit cards, since there is a very high risk of running into scammers. Thus, at one point you can generally stay without all of your savings, which will be almost unreal to return.

On the virtual card account you are allowed to enroll exactly the amount you want to spend. Exceed the transaction limit on the card does not work, so the risk of remaining in front of the bank in debt when attacking hackers is minimal. The only inconvenience of such cards is that money is credited to it only through the cashier of the bank that issued the card. Accordingly, you will still have to visit the branch of the bank from time to time, but, for example, the virtual Visa card Sberbank makes it possible to replenish it through an Internet bank. But security comes first. For such cards, the service of SMS-information and Internet banking is also provided. If you have discovered extraneous activity, then you can easily block the card over the phone.

Basically, virtual cards are used to pay for purchases through online stores around the world, pay for railway tickets, pay for tickets for events, services on the Internet and other electronic payments.

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

What is Visa QIWI Wallet?

Qiwi-purse is a private office in the "Kiwi" system, which is a network of offline terminals for receiving electronic payments. They are very popular all over the country and near abroad. In addition, the system also has its own bank, which was opened, possibly in order to fully comply with the requirements of the new legislation on electronic payment systems.

With the "Kiwi" system, you can make a variety of payments online. You can also pay through terminals. And if you have a virtual card Qiwi Visa Card, then the payment becomes generally unproblematic. Replenishment of the wallet can be performed by several methods: through bank transfer from the card, through the terminal, electronic money, phone balance and so on.

To date, the company "Kiwi" is actively cooperating with the payment system "Visa", due to this, its capabilities have become much broader. A purse, previously known simply as Qiwi, is now called Visa Qiwi Vallet. Within the framework of this program, you can register three different types of debit cards.

Qiwi Visa Virtual Cards

This virtual card is intended specifically for making payments through online stores. It has a validity period of only three months. Together with the card you get a number and a protective three-digit code. Before you make a virtual Visa card, you have to pay 2.5% of the 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 for the required amount. Payments from the card are made without any commissions. One purse is allowed to have several such cards.

Qiwi Visa Card

This card is issued only for one year, and its balance is combined with the balance of the wallet. In addition, you will be sent by SMS all the details of the card, with which you can pay for services over the Internet. To date, payments are made and the card is issued 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, which allows you to pay anywhere that only Visa cards are accepted. In addition, as provided by Qiwi, a virtual Visa card of this level allows you to even withdraw money from ATMs. If you make such a card and order its delivery by mail, it will cost only one hundred rubles, courier delivery will be more expensive. As for additional commissions for withdrawing funds from a purse to such a card, it should be clarified in advance.

How do I register for Visa Qiwi Wallet?

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

First you need to go to the official page of the "Kiwi" wallet, click on the "Register" button and fill in a small form. It is required to enter only your phone number and captcha.

After some time, a message with a password will appear on your phone to enter your personal account. Now you can go to your personal page and look through the list of payments made and the types of cards available.

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

How to register a virtual card Qiwi Visa Card?

To do this, you must first select the "Maps" section and see which cards are available in the system at all. Then select the Qiwi Visa Card icon and click on "Receive".

Further it is necessary to fill out all the data in Latin in the form of an application for issuing a card. If done correctly, 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 the personal cabinet.

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 merits of these cards, but after all, like any other banking product, they must have certain drawbacks. Of course, without them, simply nowhere.

There are a lot of types of payments today, but sometimes there are those that, unfortunately, can not be paid in this way. Most operations have a limit on amounts, which is not always convenient. For some transfers, payments and methods of replenishing the balance, there are also established large commissions. For this reason, it is necessary to carefully look 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 management refused to cooperate with Kivi, because it sees it as a serious competitor in mobile payments.

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