Virtual cards are mainly intended for making payments on the Internet. If you really like online shopping or just want to pay for services with speed and security, then you need to get such a card.
What are virtual cards?
Today, almost every bank provides such a service. What are Visa and MasterCard virtual cards in general ? As a rule, these are the most ordinary plastic cards, but they do not have a magnetic line. In addition, it can be a simple bank account. On the card itself, its sixteen-digit number, owner information and expiration date are indicated. A three-digit secret security code is issued only to the cardholder’s account personally. These cards are valid for only one year. The cost of annual maintenance is within two hundred rubles.
The main advantage that Visa and MasterCard virtual cards have is their safety. You should not pay for purchases on the Internet with salary or deposit cards, as there is a very high risk of running into scammers. Thus, in one moment you can even be left without all your savings, which will be almost impossible to return.
You are allowed to credit exactly the amount that you want to spend to the virtual card account. It will not be possible to exceed the limit of a transaction on a card, so the risk of remaining in debt to the bank in case of an attack by hackers is minimal. The only inconvenience of such cards is that funds are credited to it only through the cash desk of the bank that issued the card. Accordingly, you will still have to visit the bank branch from time to time, but, for example, the Sberbank virtual Visa card makes it possible to replenish it through the Internet bank. But security comes first. For such cards, SMS messaging and Internet banking are also provided. If you have detected extraneous activity, then you can easily block the card by phone.
Virtual cards are mainly used to pay for purchases through online stores around the world, pay for train 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 a Visa QIWI Wallet?
Qiwi-wallet is a personal account in the Qiwi system, which is a network of offline-terminals for receiving electronic payments. They are very popular throughout the country and neighboring countries. 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.
Using the Qiwi system, you can make a variety of payments online. You can also pay via terminals. And if you have a virtual Qiwi Visa Card, then the payment becomes generally trouble-free. The wallet can be replenished in several ways: through a bank transfer from a card, through a terminal, electronic money, phone balance, and so on.
Today, the Kiwi company is actively cooperating with the Visa payment system, due to this its capabilities have become much wider. And the wallet, previously called simply Qiwi, is now called Visa Qiwi Vallet. In 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 will be given a number and a three-digit security code. Before you make a virtual Visa card, you will have to pay 2.5% of the existing balance, but not less than 25 rubles. In general, it is assumed that you issue a card for a one-time purchase while replenishing the balance with the required amount. Card payments are made without any commission. One wallet is allowed to start several of these cards.
Qiwi Visa Card
This card is issued for only one year, and its balance is combined with the balance of the wallet. In addition, you will be sent via SMS all the details of the card, with which you can pay for services via the Internet. To date, payments and the issue of the card itself is carried out without a 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 payment to be made wherever Visa cards are accepted. In addition, as provided by Qiwi, a virtual Visa card of this level even allows you to withdraw money from ATMs. If you make such a card and order its delivery by mail, then it will cost only one hundred rubles, courier delivery will be more expensive. As for the additional fees for withdrawing funds from the wallet to such a card, this should be clarified in advance.
How to register at Visa Qiwi Wallet?
Registration is carried out using a terminal or the Internet. We will analyze the second option.
First, go to the Qiwi wallet official page, click on the "Register" button and fill out a short form. You only need to enter your phone number and captcha.
After some time, a message with a password will come to the phone to enter your personal account. Now you can go to your personal page and view the list of payments made and the types of cards available.
So, after entering the payment system, you can draw up a new card. But if there is no desire, then you can not do this, since the system itself allows you to pay for various purchases and bills.
How to register a Qiwi Visa Card virtual card?
To do this, you must first select the "Cards" section and see which cards are generally available in the system. Then select the Qiwi Visa Card icon and click on "Receive."
Next, you need to fill in all the data in Latin in the form of an application for a card issue. If everything is done correctly, then a virtual Visa card will be issued. And a message with the number of the new card will be received on the phone, other details can be viewed through the personal account.
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 disadvantages. Of course, without them it’s just nowhere.
There are a very large number of types of payments today, but sometimes there are ones that, unfortunately, cannot be paid in this way. Most operations have a limit on the amounts, which is not always convenient. For some transfers, payments and methods of replenishing the balance, large commissions are also established. For this reason, you should definitely look carefully 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, as the bank's management refused to cooperate with Qiwi, because it sees it as a serious competitor in mobile payments.
But at the same time, these shortcomings are compensated by the fact that the types of payments are diverse, most of them can still be made using a card, because Visa Qiwi Wallet is a flexible and universal system.