Today, virtual cards are offered not only by banking organizations, but also electronic payment systems. Such payment instruments have gained wide popularity among the population, as they are affordable and extremely easy to use. This article contains important information about the very concept of a virtual card and how to create it.
Payment instrument specifics
A feature of the WebMoney virtual bank card is that it is not issued on physical media. Therefore, users do not need to order delivery by courier or pick it up on their own. All the necessary data will be sent in SMS messages, as well as by internal mail service. This information is necessary when making further transactions using the payment system.
Issuance of a virtual bank card WebMoney occurs in a few minutes. Card replenishment is carried out only in rubles. If the owner credits funds in another currency, an automatic conversion will occur. Among the main advantages of a virtual bank card are:
- payment on foreign trading floors;
- high speed of receiving a card;
- reliability;
This tool also has its drawbacks. Users cannot withdraw funds from a virtual card at an ATM. Electronic funds can only be used for online payments. Also, owners cannot make anonymous transfers of money, because during each transaction it is necessary to confirm passport scans and a formal certificate.
Terms and Rates
It will not be difficult for users to create a bank card in the WebMoney system. To do this, it is enough to provide passport scans and confirm your identity. The payment instrument is issued immediately after the fulfillment of these conditions. The virtual card can be linked to PayPal. The cost of issuing a card is 50 rubles. It is important to know that when replenishing an account, the system charges a commission of 1% of the total amount.
If the owner of a virtual bank card WebMoney transfers from card to card, the system will deduct a commission of 3%. Card maintenance and activation does not imply additional payment. The virtual card is valid for 1 year, and then it is necessary to reissue it.
How to create a virtual WebMoney card?
You can create a payment instrument in a couple of clicks. Users can go to cards.web.money to receive a virtual payment instrument. After going through a simple authorization procedure, go to the "My cards / orders" section and click on the "Order" button. Among the list of available products, you need to choose the most suitable option. After this, you must confirm your consent to the processing of personal data. Then enough to pay for the issue.
After a few minutes, a message will come to the mobile phone number with the necessary information and details of the virtual card. A payment instrument does not need to be activated, so the owner can immediately use it. The system provides for the possibility of creating virtual bank cards MasterCard and Visa. The process of creating these payment instruments is similar to issuing a regular virtual card. The system provides for the possibility of issuing a virtual Visa WebMoney card for a month, three and a year.
Management principles
The principle of operation of a virtual bank card WebMoney is not much different from a conventional plastic card, so managing it is quite simple. After payment and receipt of details, the payment instrument will appear in the list of cards and wallets. The owner can make transactions in your account. Users can issue no more than 5 means of payment. This function can help out in those situations when the buyer doubts the safety of the trading platform.
It is important to know that using a virtual card involves certain limitations. The user cannot deposit or spend more than 15,000 rubles per day. Moreover, the system provides a monthly limit of 40,000 rubles for debiting and replenishment.
How to create a virtual WebMoney card in Crimea?
After the accession of Crimea to the Russian Federation, all Ukrainian banks curtailed their activities. Many had to accept the loss of the ability to pay from card to card, as well as the lack of support for Visa and MasterCard cards. Crimean users were not residents of the Russian Federation, therefore, they could not make payments through the WebMoney system. Today, Crimean citizens can fully carry out work with online currency. To do this, just change the country settings in the keeper and attach the scans of the Russian passport.
User reviews
In order to form an objective opinion about the virtual bank card WebMoney, you can study the reviews of real users. Owners talk about a simple procedure for creating this payment instrument. Many reviews about the WebMoney virtual card contain information that the owners of the virtual card can take part in online auctions, purchase tickets, book hotel rooms, and pay for many services.
This payment tool can be tied to PayPal, as well as paid in the AppStore, Google Play, Ebay, Amazon, etc. As the main advantages, users highlight low cost, efficiency of work and elimination of the risk of theft of money. The virtual card has received many accolades from fans of online shopping.
Some users say that the card should not be replenished in foreign currency, since this procedure involves the collection of an additional commission. The owners note the main drawback - the card is several times more expensive than the usual withdrawal of funds to a bank account. WebMoney system warns about the expiration of the card and the need to withdraw money.
Conclusion
The virtual WebMoney card provides the ability to make payments on the Web. The indisputable advantage of the payment instrument is a high degree of reliability and the absence of locks.
User reviews report excellent protection for the virtual card, so owners can not worry about the safety of funds. A tangible minus is the inability to recharge a virtual card directly from an ATM.