Virtual card Visa Classic. How to get a virtual card from Belarusbank, what are its features? Disadvantages of Virtual cards

Minsk - full list banks and offers in one place: MasterCard cards, Belcard, VISA, international, with a cash loan on the card, profitable, with cashback, which can be picked up without going to the bank with delivery

Payment system

VISA- an international payment system consisting of two companies: Visa Inc. (USA), which owns all rights to the trademark and applied technologies, and Visa Europe Services Inc. (UK), which is managed European banks and is valid when using Visa Inc. licenses.

Visa cards are accepted for payment at retail outlets in more than 200 countries, from MasterCard VISA differs in that it is mainly focused on transactions (keeps records) in dollars, while MasterCard is focused on transactions in dollars and euros.

Payment systems competitors

• American Express
• MasterCard
• China UnionPay

Payment system cards

• VISA Virtuon - virtual debit card entry-level (without additional service capabilities).
• VISA Electron- a regular entry-level non-embossed plastic card.
• VISA Classic is a mid-level card (without obvious service capabilities).
• VISA Gold is an entry-level premium card that offers its holder a discount program
• VISA Platinum - premium bank card (offering extensive additional features)
• VISA Infinite is the highest premium level card in the VISA line

Basic card features

For cards of any level

• Cash withdrawal from an ATM
• Support

For premium cards

• Emergency blocking
• Discount program
• Concierge service
• Access to VIP areas of airports
• Emergency card issue
• Emergency cash withdrawal

MasterCard is an international payment system represented in more than 200 countries around the world. The core business is the processing of payments between acquiring banks serving merchants, issuing banks using debit and credit cards brand "MasterCard".

MasterCard, originally known as Interbank/Master Charge, was created by several California banks.

Payment systems competitors

• American Express
• China UnionPay

Payment system cards

• MasterCard Virtual is an entry-level virtual debit card (without additional service features).
• Maestro is a regular entry-level non-embossed plastic card.
• MasterCard Standard is a mid-level card that offers a discount program.
• MasterCard Gold is an entry-level premium card.
• MasterCard Platinum is a premium bank card.
• MasterCard World is another premium card, without obvious additional service features.
• MasterCard World Black Edition - one of the cards with maximum additional features, including concierge service and access to VIP areas of airports.
• MasterCard World Elite- the highest premium level card in the MasterCard line

Basic Features

For cards of any level

• Cash withdrawal from an ATM
• Payments for goods through payment terminals, incl. Abroad
• Payments on the Internet, incl. in foreign online stores
• Support
• Emergency blocking
• Emergency card issue
• Emergency cash withdrawal
• Discount program

For high premium cards

• Concierge service
• Access to VIP areas of airports

Card format

• Virtual card is a debit bank card that exists without any carrier (plastic blank, telephone, etc.). This form of the card makes it suitable only for payments on the Internet. Also, this card is used to increase the security of payments by transferring funds to it that they plan to use for purchases in the very near future. This way, attackers will not be able to get to the entire amount of funds that are on the main card, and those funds that are credited to the virtual card are not stored on it for a long time.

Most people pay for many services and purchases online. In order not to carry around more “plastic” with you, you can limit yourself to issuing a virtual card for these needs. the site found out the features of virtual cards, their cost and validity period.

A virtual card can most often be ordered online (via Internet banking or through an application on the bank’s website), less often - only at a bank branch. Such a card does not imply the release of plastic. You will only be given a card number and a CVV2 code. The details provided (number, expiration date, first and last name of the holder and CVV2) are sufficient to carry out transactions without the presence of a card.

A virtual card makes life much easier. You don't have to carry an extra card in your wallet if you just need to pay for something online. You can store it on it a small amount money needed for specific purposes, which increases safety and security Money. Also, high security is ensured by the absence of physical media and the use of only a card account.

Belarusbank proposes to introduce virtual payment cards, but first after consulting with clients

Electronic money turnover is increasingly gaining strength, so Belarusbank decided to offer to participate in a survey on whether it would be advisable to introduce new service called virtual payment cards.

The main advantage of these “cards” is increased security when making payments on the Internet. When conducting such operations with ordinary plastic cards on the World Wide Web, many users are afraid of falling under the influence of scammers. Therefore, when analyzing the shortcomings and weaknesses in calculations on the Internet, it was decided to create highly specialized virtual analogues.

Having submitted an application for such a card, the user is given the usual important attributes for it: personal information (to whom it is registered), a unique number, expiration date, CVC2 recognition code.

The advantages are:

• You cannot withdraw money from it in the usual way (that is, third parties will not be able to easily transfer or cash out funds)
• Payment can be made exclusively in the virtual environment of the Internet (not in stores anywhere else)
• These cards do not have any usual information (PIN code, magnetic stripe, nothing that can be faked and used physically)

That is, in fact, the user is simply given details for making payments on the global network, which, however, can also be given on a regular plastic card, but only for clarity.

According to representatives of Belarusbank, this survey was presented in order to find out the opinion of the clients themselves on how much demand virtual payment cards and other offers based on the NFC standard. Data from this survey will directly influence future consideration of the new service.

Interested users are asked to answer 17 questions, completely anonymously. You can take part on the official website of Belarusbank.

If we turn to the essence of the proposal itself, it will be used, as noted above, only on the Internet. In fact, the client who receives such a “card” will be given digital details with which it will be possible to make payments on the global network with increased security from fraudsters.

The Internet is taking over our lives every day. Many things are already moving into the world of virtual reality. A huge number of large Internet resources have been created where you can purchase the desired item easily and without visiting shopping centers. And the cards also decided to go to the world of the Internet.

However, if necessary, the bank can issue a card on which the basic details will be written so that you do not store them somewhere in a notebook. It differs from the usual one in that it cannot be used to pay in a store or withdraw money from an ATM. It lacks a magnetic stripe, chip and other attributes.

Details and data indicated on virtual cards:

• Your card number;
• Validity periods;
• Security code CVV2/CVC2.

What are the main characteristics of virtual cards in Belarus?

Virtual bank cards in many versions are related to the Master Card or Visa payment systems, which allows you to make international payments. You can safely order goods from Chinese websites or foreign Internet resources. The validity period of the card is approximately from 1 month to 2 years (if there is a plastic carrier). Also, you will always have the opportunity to top up your account if you do not have enough funds for your next new purchase.

Virtual cards are a universal and very convenient way payment for goods and services. There are no restrictions: make online purchases in all countries of the world. This is the main advantage over various Internet wallets, since they mainly operate within one country.

The card is very convenient to issue and receive. Simply fill out an application online or call. You don’t have to waste time queuing at the bank; all you need to do is take a couple of steps with your smartphone or laptop.

Virtual cards are a very secure means of payment. If you are afraid that someone may intercept your data and steal funds, you can open an account with the optimal amount of funds that you will need to make one purchase. Also, since there is no carrier, you will no longer lose all your funds and forget your card at ATMs.

Disadvantages of Virtual Cards

The disadvantages of such cards include the inability to pay for goods in a store, as well as withdraw cash from an ATM. However, these functions are perfectly performed by ordinary plastic cards. Also, most banks impose a number of restrictions on validity periods and payment limits.

If you plan to make online purchases via the Internet, then virtual cards are the most the best option. Their production also costs several times less than conventional ones.

Currently, virtual cards in Minsk are issued in two types: VISA Virtuon and MasterCard Virtual.

On our website you can also get acquainted with basic information about the possibility of ordering settlement, credit, etc.

Virtual card- this is banking payment card, which is intended exclusively for making payments online. Represents the bank card details required to pay for goods and services online.

A virtual card is issued without physical media in in electronic format. However, the issuing bank may produce for clients plastic cards with details of virtual cards printed on them without a number of attributes of regular ones bank cards: magnetic stripe or chip, hologram, holder signature. This does not allow you to use virtual cards to pay for purchases in brick-and-mortar stores or to withdraw cash from an ATM.

Details that are indicated on virtual cards:

• Card number
• Card expiration date: month and year
• Security code CVV2/CVC2 - three digits digital code, which is printed on the back of the card for regular plastic bank cards
• The name of the cardholder is indicated at the request of the owner.

Characteristics of virtual cards

Like others banking products, virtual cards are characterized by many properties, among them:

• Payment system affiliation: usually VISA or MasterCard
• Account type: credit, debit, prepaid
• Presence or absence of physical media (plastic card)
• Duration of validity: for cards without physical media, usually from 1 to 3 months, for “plastic” virtual cards - from 6 months to 2 years
• Can be issued either in addition to the current main bank card or independently
• Has a certain cost of production and maintenance
• Various ways to order and receive card details
• There is a certain waiting time between submitting your application and receiving your card details
• There are restrictions on the size of the card balance, card transaction limits
• Possibility of additional replenishment of the card balance after its issue.

Advantages of virtual cards:

• Versatility. Virtual payment cards are a universal way to pay for purchases in online stores around the world. This is how they differ from non-banking (electronic) payment systems. For example, Russian WebMoney and Yandex.Money work mainly on Russian websites
• Ease of receipt. A virtual card can be issued without a personal visit to the bank by the client - via the Internet, an ATM network or mobile communications. In the absence of physical media, the client can receive virtual card details with virtually no delay, immediately at the time of application
• Safety. Using virtual cards avoids the risk associated with transmitting bank card details over the Internet. The client can order the issuance of a virtual card with a minimum necessary balance sufficient for a single payment. It will not be possible to steal any significant amount of money from such a card.
• Anonymity. A virtual card can be debit, credit or prepaid. Prepaid cards are different in that they do not require a contract bank account(contribution). Therefore, the name of the prepaid card holder is not a mandatory detail of the card.
• Expanding e-commerce accessibility. Currently, the most common cards in the CIS countries are VISA Electron and Cirrus/Maestro. They allow you to withdraw money from ATMs, but there are many restrictions on their use for online payments. Holders of such cards, as well as those who do not have bank cards at all, can use virtual cards as an affordable alternative to opening more expensive Classic bank cards.

Disadvantages of virtual cards:

• Inability to use in regular stores and ATMs
• Restrictions imposed by issuing banks: payment limits, limited validity period

Currently, two types of virtual cards are issued in Belarus - VISA Virtuon and MasterCard Virtual.

Virtual cards actually turn out to be cheaper. The choice of card depends only on the required functionality.