What is Virtual Qiwi Card?

Qiwi Wallet is considered one of the most popular electronic payment systems. But not all services and shops accept payment from the wallet. For convenient and secure payments on the Internet, a virtual Qiwi card will be the ideal solution. Close cooperation with many banks allows you to cash out with Qiwi using such a card. To do this, you need to make a transfer from a virtual Qiwi card to your real one and go to the ATM with it. Those who do not yet have their own wallet need it. If you are already a user of the system, read this article on how to create a virtual Visa Qiwi card.

In order not to have to transfer money from a wallet to a bank card, spending money on forced commissions, it is enough to use a virtual Qiwi Visa Card (QVC), created specifically for such cases. Let's talk about it in more detail.

What is Virtual Qiwi Card?

If the Qiwi wallet itself, like the plastic card issued to it, have become a familiar service for many Internet users, then the QIWI virtual Visa card is used by the minimum number of wallet owners. This is due to a greater extent to the relatively low popularity of online purchases in comparison with more familiar stores with terminals that perfectly accept plastic payments, including those from the Visa QIWI Wallet payment system.

What is QVC for?

The virtual card was specially created for purchases on the Internet, because it performs the functions of a familiar plastic card and is accepted for payment by all Internet resources cooperating with the Visa payment system. Qiwi Visa Card and Qiwi wallet balances are combined, which provides comfort when replenishing the card and simplifies spending control.

The issuer of the virtual card is QIWI Bank, which has all the legal rights to issue such a payment instrument. QVC has all the necessary details for making purchases and payments:

• 16-digit number;
• CVV code;
• validity;
• Owner's name.

Attention! The QVC currency can only be Russian rubles. It is permissible to make payments up to 40 thousand rubles.

Benefits of QVC Qiwi

The Kiwi virtual card does not have a physical medium, so it does not need to be produced and then wait weeks for delivery. QVC opens automatically at the time of registration of a new user in the Qiwi payment system.

Sometimes it happens that even a virtual payment instrument is attacked by fraudsters, as a result of which the owner has to close it.

Security when paying with a virtual card

Qiwi Virtual Card, or as it is called Qiwi Virtual Card, is designed to improve the security of payment for various purchases and services over the Internet. Many users fear that entering the data of a real card, even if it is not tied directly to his bank accounts, may lead to the theft of funds by hackers.

This is partly true, because there are many malicious programs that use an interface similar to the personal account of Visa Wallet in order to steal an access password or at least payment card data. With the help of the new service, you can drop any fears and freely enter your virtual card details anywhere.

At the first suspicion that the resource is not bona fide, you can delete it and create a new one with unique payment information. This is what makes the Virtual Card different from its plastic counterpart.

The main advantage of the Qiwi Visa Card over a regular “visa” is its multi-level security system. The payment instrument details can be found in only one way - by requesting them in your personal account on the payment system website.

At the same time, only a part of the 16-digit number is sent to the phone in the form of an SMS - the rest of the numbers are indicated in the "Your cards" section.

Moreover, when making a purchase, the user has to specify special codes: a three-digit security code CVV and an authorization code sent by the system when making a payment.

How to create a virtual Qiwi card?

How to get a new card instead of a blocked one? To do this, you need to follow three simple steps.

1. Log in to your personal account on the Qiwi Visa Wallet website.
2. Select your virtual card in the "Bank Cards" section.
3. In the menu that opens on the left, click the "re-release QVC" button.

Several Virtual Cards can be created simultaneously for one QIWI wallet. Moreover, a separate account is created for each, the owner, when using this form of payment, bears the risk only within the amount placed on the card used. Each card is valid for 2 months, after which it is automatically blocked. In terms of security, the card complies with the international Visa standard; for third-party services, it is no different from the same plastic card.

Attention! Within a month, the user can reissue no more than 2 virtual Qiwi Visa Cards.

You can make a virtual Qiwi card in the section "Bank cards" your wallet. At the same time, a number for the Virtual Card and a CVC code is automatically generated, which for security is sent as an SMS message to the owner's phone. The same can be done in QIWI terminals.

Next, we go directly to the purchase of a virtual card. Fill out the form fields, indicating the phone number of your wallet, the method of payment for the card (if there is only one account on the wallet, then there will be only one method). In the “Amount” column, indicate the amount of funds that you want to see on your Virtual Card.

To get a virtual card, you need to buy it. At least 300 rubles or $ 10 will be debited from the balance of your wallet when you buy a dollar card. You can pay with one virtual card no more than 30,000 rubles or $ 1000 for 2 months of its validity. You can connect SMS-informing the withdrawal of funds for 19 rubles per month. Before paying with a card on the Internet, you can always go to your own and clarify the details. There are no commissions for servicing such a card, so you can buy two or more cards. Depending on the need for the amount of funds on each card, you can freely move money within the system.

How to use Qiwi Visa Virtual?

Unlike plastic, virtual cards (QVV) have one significant limitation - they cannot pay in a regular store, even if it has a terminal. But on the other hand, it can be used as a means of payment at all resu
The modern Internet provides many options:

1. Payment for utilities, including satellite and cable TV;
2. Purchases in online stores of goods with home delivery or mail;
3. The purchase of goods in retail chains that have ordinary stores in parallel, so you can do without plastic, for example, in the event of its loss or expiration of the validity period before receiving a new card.

To pay with a virtual Qiwi card, you must use its details: the card number and security code (CSV) are the same as for the plastic version, only unique, which prevents attackers from gaining access to the total balance of your Qiwi wallet.

What is prepaid QVV Qiwi?

The multi-layered security system for QVC is quite reliable, but it is not perfect either. For those users who are afraid to leave card details linked directly to their accounts, there is a special prepaid Kiwi card - Qiwi Visa Virtual (QVV).

Like the Qiwi Visa Card, this tool has no physical form and only exists in digital form. Its main difference from QVC is its limited validity period - the card expires after 2 months. In addition, the virtual prepaid Qiwi card has a separate balance from the wallet, which allows you to use it when making payments for goods or services on suspicious sites.

The ability to choose a convenient currency is another difference between the prepaid card and the Qiwi Visa Card.

How to create a virtual prepaid Qiwi card?

What do you need to do to get QVV? It turns out that unlike a regular virtual card tied to a wallet, you will have to pay for a prepaid Qiwi Visa Virtual. The cost of the issue is 2.5% of the card face value. Getting it is easy enough.

1. We open the "Bank Cards" section on the Qiwi Visa Walett website.
2. We are looking for Qiwi Visa Virtual in the list of payment instruments and click the "Get" button.
3. Select the currency and click "Buy".
4. We fill out a special order form and pay for the service.

The minimum QVV denomination is 300 rubles, or 10 US dollars. The maximum consumption is possible within 70 thousand rubles / 1000 US dollars.

Safety and comfort of online payment

Qiwi's Virtual Card is fully functional for online payments if the owner is used to making purchases through online services, as well as paying for most of the services through them. Thanks to this service, the QIWI wallet has become even more secure. It is much easier to re-order and receive a virtual QIWI card and continue shopping without risk of losing money.

Conclusion

For users who are accustomed to actively using the services of online stores, virtual Qiwi Visa cards have obvious advantages over ordinary banking "plastic". At the same time, QVV differs from QVC in a higher level of protection and an extended payment limit, but you have to pay for these advantages. It is absolutely free to create and use Qiwi Visa Card.