Virtual debit card services let you hide your
real card information when making purchases. For example, instead of using your
regular card number to buy something from a shady website, you can just plug in
a virtual debit card number so that should anything strange happen with that
card, it doesn’t affect your real debit card.
Some neat features you can expect with the
best virtual card services include the ability to prevent a card from being
used anywhere but where you specify, cancel or pause a card at any time, set
spending limits, make purchases with masked bank account descriptions, create
cards in seconds with zero activation required, and auto-expire your cards
after a period of time.
There aren’t a lot of virtual card services
out there. Most of them are actually attached to existing banks, but below is a
list of the all-time best standalone (no bank affiliation) virtual payment
services, one of which is completely free
(the other two have free trials).
Why Use a Virtual Debit Card?
The most common reasons to use a virtual debit
card is to protect against unauthorized charges and to hide your true identity.
However, there are several scenarios where one might come in handy.
You might use a virtual payment card if you:
- Don’t trust the website
- Would rather not cancel a
subscription the “correct” way - Don’t have a plastic card nearby
to make an online purchase - Are giving your number to a friend
to buy something on your behalf - Want to hide the real merchant
name from showing up on your bank statement - Don’t have a physical card to make
online purchases (but you do have a bank) - Were denied a purchase because
your physical card number is invalid or expired - Want to limit your spending on a
particular website
Privacy
Privacy is an appropriate name for an amazing service centered around your privacy. Like a true virtual debit card, it keeps your information to itself only, and boasts some really amazing features:
- It’s totally free (absolutely no
charges or fees) - Create single-use debit cards or
reusable ones - Lock a card to one merchant so it
can only be used there - Set a maximum spending limit (per
charge, in total, or per month/year) - Define which bank each card draws
its money from - Pause and resume cards at any time
- Cancel cards to permanently
disable the number - Create cards on the fly in Chrome
- Name your virtual payment cards to
keep track of where you’re using them - Use it online or with the Android or iOS app
There are tons of really great uses for
Privacy’s virtual cards. One is if you’re shopping somewhere unfamiliar or
insecure and you’re afraid they’ll lose/sell your card number Just make a
merchant-locked card and set the spending limit to the exact amount you need it
for.
Signing up for trials that require payment
information is another perfect use case. Set a spending limit for $1 or
something below the first payment amount, and then use your card to sign up
without worry that it’ll be charged. Or, make the card, enter its details into
the item you’re trialing, and then cancel your card!
All transactions from all of your virtual
cards are shown in your account as if it were one big bank statement, which is
really helpful for keeping tabs on how you’re using your account. You can also
see in one place how much you’ve spent with Privacy today and over the last 30
days.
Two-factor authentication is supported with
Privacy to make it much harder for someone to access your cards, even if they
have your password.
Another handy security feature is the “private
payments” option which will show Privacy’s transactions on your bank statement
as any of these options of your choosing (instead of the real merchant where
you make the purchase): Privacy.com, H&H Hardware, Smileys Corner Store, or
NSA Gift Shop.
The features just don’t stop! You can also get
cashback with Privacy; 1% back on every single purchase made with a Privacy card.
However, you need a Cashback Key to make it work.
Blur
Blur is another service that lets you create virtual cards so that you’re never exposing your real card number to the websites you’re shopping at. When you’re ready to buy something, it purchases prepaid gift cards on your behalf so that when you order, you use the gift card number instead of your own. All of this happens on the fly and behind the scenes.
Using your virtual cards is extremely easy.
When it’s time to enter your card information, you can select to make a new
masked card. Blur will ask how much the purchase is for, and then it will buy a
card to cover the costs, and then instantly give you the card number to make
the purchase anonymously.
You can use Blur through the desktop Chrome extension or via the Blur
mobile app.
You get Blur Premium
free for the first 30 days, but then you have to purchase either the basic plan
for $40 USD /year or the unlimited plan for $15 /month (or less if you opt for
the $100 /year option).
Note: Blur
is actually more than just a virtual debit card platform. You can also use it
to store passwords, mask your email and phone number, and block web trackers.
Skrill
Skrill lets you not only use a virtual card online but also send money to friends, purchase cryptocurrency, shop online, and even play poker. Once you have money in your Skrill account, you can make a virtual card to use anywhere online that Mastercard is supported.
Only your first virtual card is free, but it
lets you hide your real information from websites to protect your privacy and
secure your funds. A virtual card at Skrill can be under any of these
currencies: USD, EUR, GBP, or PLN.
You can cancel the card anytime you want, and
even choose how long the card should be active before it automatically expires
and becomes useless to anyone with the number.