American Express: You can receive a virtual card number for your eligible Amex card on the Google Chrome desktop version or through an Android mobile device.We’ve outlined the steps below for three major issuers that provide virtual card numbers: You can only get a virtual card through your existing credit card account. If you’re unable to find this feature, you can also call your specific bank to learn more about the exact process to generate a virtual card number, CVV and expiration date.
The process will vary depending on the exact card you hold, but you’ll want to visit your online account settings and enroll to retrieve a virtual card number. Only certain issuers offer the ability to generate a virtual card number at this time, and that includes American Express, Capital One and Citi. How do you generate a virtual card number?
If you’re waiting for a new card to come in the mail, you can also pay with virtual card numbers while you wait. Virtual card numbers are not only safe, but useful in many scenarios. Not to mention, it is a hassle to contact your bank, cancel and replace your card, and wait for the charge to drop from your statement. If you’ve ever fallen victim to credit card fraud, it can feel like a huge invasion of privacy.
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For example, Capital One allows you to add a free browser extension known as “Eno,” which will automatically pop up and ask if you’d like to use a virtual card number when you’re at a checkout page. Some issuers have improved the usability of virtual card services over the years. Ultimately, if you want added security, using virtual card numbers is a smart choice. Out of pure convenience, you may wish to input your real card numbers - after all, it’s easiest to read the card numbers in your hand and enter them at checkout. Of course, another con of using virtual credit card numbers is that it takes an extra step to generate. Yet, not all retailers accept digital wallet transactions. Digital wallets, such as Google Pay or Apple Pay, are where you store your credit cards and can generate a unique card number (called a token) for payment, which substitutes your actual card number with an encrypted card number. However, it’s unlikely you can generate a virtual credit card number when you’re making a purchase in stores, as you’ll need to swipe (or tap) your physical card at the payment kiosk.īut if a retailer accepts digital wallet transactions, you may be in luck. One of the major pros of using a virtual credit card number is that you can greatly reduce the risk of credit card fraud, which can happen when hackers access your credit card information stored online. If your bank offers the option to use virtual credit card numbers, you should always take advantage of the opportunity to pay with one. Pros and cons of a virtual credit card number If a merchant ever experiences a data breach, you likely won’t be impacted as your virtual card number won’t be valid for future use. Finally, virtual card numbers are meant for individual use, and you’ll receive a new set of numbers when you’re making another purchase. You’ll be able to monitor your transactions made with a virtual card number in real time. Some issuers offer virtual card numbers through a web browser extension or through an app on your phone. Any charges that you make using this virtual card number will be charged accordingly to your statement. How a virtual card number worksĪlthough your virtual card number may seem like a randomized set of numbers, they’re still linked to your credit card account. Seeking additional protection for your info? These are the best identity protection services. You can then use the virtual card number whether you’re shopping online or making a purchase over the phone.Īs a result, you’ll avoid using your real card number, which minimizes the risk of credit card fraud and offers an extra level of protection for cardholders. What is a virtual credit card number?Ī virtual card number is linked to your credit card account, and is a unique set of 16 numbers, CVV and expiration date that’s instantly generated for one-time use. Let’s dive into the details on how a virtual card number works and the process to generate one from your bank. This feature makes it difficult for hackers to access your real card numbers, as you’ll receive a uniquely generated set of numbers anytime you make online purchases. One of the easiest ways to protect yourself from potential attacks is to use a virtual card number when checking out online. In fact, a recent study conducted by found that “people who store their credit card information in their web browsers and use the same card for autopay as they do for everyday spending were more likely to be victims. If you’re a frequent online shopper, you’re more at risk of becoming a cybercrime victim. What is a virtual card number and how do I get one?
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