Thanks to the development of technology, more and more people buy goods in online stores. This saves time and money. To simplify the payment process, a virtual card is used. Alfa-Bank also offers such a product. It is only necessary to arrange it so that many benefits are available.
About the bank
Alfa-Bank was opened in 1990, and since then it has been actively developing. Now the organization is considered one of the most sought after and popular among customers. Many types of banking services are offered with their own advantages. Serving private and corporate clients.
The head office is in Moscow. Alfa-Bank employs over 21 thousand employees. The bank regularly receives various awards due to its successful work. Profitable services are available to customers at any time.
Virtual Card Concept
Alfa-Bank virtual card is issued under the Visa and Master Card logos. This payment tool was created to pay for purchases in electronic form, it can’t be used for payment in ordinary stores, as well as cash out funds.
The service is designed to protect customers from phishing - the type of theft of funds from plastic cards while paying for goods in online stores. Alfa-Bank’s virtual Visa card will make payments safe.
Service Features
The service has several advantages:
- There is no physical media or pin code. Such a card cannot be stolen. The user orders via the Internet, receiving the details. This provides the opportunity to create a payment instrument for the purchase, protecting personal information and money from scammers.
- Quickly locks, unlocks and closes. No need to spend time for such procedures.
- The limit is set independently. When planning a purchase for a certain amount, you can replenish the card within its limits, and then there will be no possibility of further use.
- Security. The full number can be found only by special request, which is sent only from your number.
Alfa-Bank virtual card costs 49 rubles. Funds are debited 12 hours after the operation. In other banks, the service is free. Alfa-Bank offers long-acting virtual cards, but experts advise creating them for a one-time payment. This will save your money. If you are accustomed to using standard cards, you can release it in a plastic form. To receive it, you must contact the bank office.
disadvantages
Even with a large number of advantages, such cards have disadvantages. They cannot be used to withdraw cash from an ATM, as they are designed for cashless payments. Virtual cards are not used to pay for purchases in ordinary stores.
Compared to a plastic card, it has a short validity period, which is not entirely convenient. As a rule, this period is 1-3 months. Then you need to get a new product.
Requirements
Alfa-Bank virtual card is provided only if the requirements are met. Those who want to receive it must:
- Be a bank customer, a user of a credit or salary card;
- have an active account;
- Be an account user in the Alpha Click system;
- have citizenship of the Russian Federation.
Card Order
How to apply for a virtual card of Alfa-Bank? To order, you need to do one of the following:
- select the “Order cards” section, click “Order” near the “Virtual card”;
- use the search bar in the menu, writing: "Create a virtual card."
Alfa-Bank's MasterCard virtual card is issued instantly. Whatever design option is selected, a page will open on which you need to enter personal information. Be sure to fill in the fields:
- limit in foreign currency;
- validity;
- account number to bind.
Then you need to check the data and click on the agreement with the rules for using the service. It is necessary to carefully consider the spelling in Latin letters of the name and surname of the card holder. Then you need to enter a one-time password. After the operation is completed, the card will be shown in a special tab of your personal account, and part of its number will be hidden by asterisks.
Alfa-Bank virtual card is valid for no more than 30 days. The establishment of this time period is connected with the desire of the bank to keep the information and money of customers. The user can lock the card at any time, and then unlock it.
Is activation required?
Issue occurs instantly, after which the card can be used. This does not require activation. To use it, it is important to get the details that are requested to make payments in online stores. With the availability of the necessary data, difficulties with payment will not arise.
Where are they accepted?
Cards are issued under Visa or MasterCard payment systems. They are accepted wherever such systems operate. They can be paid in most online stores, in various services with goods and services. The restriction is the purchase of lottery tickets, casino chips and other gambling products.
Use
The virtual (local) Alfa-Bank card is used for payment in online stores. To do this, enter the details of the payment system. Figures hidden by asterisks will be sent in an SMS notification. A CVC2 code will also be indicated there. To receive such a notification, go to the "Detailed Information" section of the "Maps" tab.
To better understand the usage procedure, you can use a simple algorithm:
- You need to visit the online store by selecting the necessary product.
- Then you should open your account in the Alfa-Click system and create a new payment instrument with the necessary limit. To use it a second time, you should increase the limit.
- Then you need to request an SMS with the details and pay for the goods.
- At the end, you should close the payment system.
Alfa-Bank provides customers with the opportunity to create simultaneously 5 cards with a limit of $ 1,000 each. Due to its convenient use, such a banking product is in demand.
Replenishment
Since modern banking services are well developed, replenishment of the account will not be a problem. You can replenish a virtual wallet by transferring money from your regular card or deposit funds in cash. Procedures are performed at ATMs, Internet services, cash desks.
Integration with PayPal
To purchase goods on foreign resources, Russians often use the international PayPal system. Its plus is an effective program to protect the rights of buyers and sellers. For those who want to buy something on the eBay website, PayPal is often the only payment option.
A peculiarity of the payment system is that users are identified by linking to a bank card account from which funds will be debited to pay for purchases. Since the system does not require the binding of a plastic product, a virtual card will come in handy. But for the active use of PayPal, you need to bind monthly.
Lock
If problems arise, the card can be blocked. It will be possible to accomplish this through the Internet banking, by calling the support service or visiting the bank. Convenience lies in the fact that even with a blocked banking product, you can use a plastic card. Then the virtual system can be started again. Using a card allows you to make payment quick and secure.