About Virtual Credit Cards
Today, payment cards have started to play a far more significant role in our daily life not least because shopping on-line has become almost as common as making purchases in a regular off-line store. Most of us possess this small piece of plastic which, just like an omnipotent key, magically opens the door to the universe of opportunities.
Types of Payment Cards
Considering money or bank account ownership, all payment cards can be divided into 3 main categories each having their particular and even unique features:
- Credit cards. The bank account to which such a card is linked belongs to the card holder and payments using borrowed funds are accepted, so the card account may be in deficit.
- Debit cards. These cards are also tied to the bank accounts of their owners but payments are possible only through the funds that the card holders deposited on the account beforehand i.e. the card account balance remains always positive.
- Prepaid cards. Such cards are linked to the accounts of their issuers (banks, as a rule) and payments are limited to the amount of money equal to the card nominal value and paid at the time of purchase. This is the only type of cards which may be passed on to third parties since they are not tied to their holders’ accounts. It should be noted that gift cards available on sale in some countries can also be only prepaid.
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Virtual Payment Cards
The cards we offer are not actually credit cards. We provide virtual prepaid cards, to be exact. All of them are operated by Visa or Mastercard and issued by banks in the US and Canada. (It should be clarified here that the only reason why we apply the term “credit” is the fact that the majority of our clients use the word combination “virtual credit card” in their search on the Internet, not meaning, however, any specific credit to be obtained. In most cases people simply look for “virtual bank card” to be bought on-line).
Virtual cards are Visa and Mastercard virtual prepaid cards issued by American and Canadian banks.