What is a Virtual Card?
A virtual card is a digitally generated card number that can be used for online and phone payments without a physical plastic card. Virtual cards are issued instantly and can be set with spending limits, expiry dates, and merchant restrictions.
Overview
A virtual card is a digitally generated card number that can be used for online and phone payments without a physical plastic card. Virtual cards are issued instantly and can be set with spending limits, expiry dates, and merchant restrictions.
How It Works
This technology plays an important role in the payment card ecosystem, enabling secure transactions across multiple channels.
Security Considerations
Under PCI DSS, all cardholder data — whether from chip cards, magnetic stripes, or card-not-present transactions — must be protected. The method of data capture determines which PCI DSS requirements apply.
Paytia handles card-not-present payments where virtual cards are used over the phone. DTMF suppression ensures card details are captured securely without agents hearing them, regardless of the card type.
Frequently Asked Questions
What is a virtual card?
A virtual card is a digitally generated card number that can be used for online and phone payments without a physical plastic card. Virtual cards are issued instantly and can be set with spending limits, expiry dates, and merchant restrictions.
Can I use a virtual card for phone payments?
Yes. Virtual Cards can be used for phone payments. The card number, expiry date, and security code are entered on the phone keypad using DTMF masking technology.
Is a virtual card secure?
Yes, when handled correctly. PCI DSS requires all card data to be protected regardless of card type. Using DTMF masking for phone payments ensures the data never enters the agent environment.
Related Terms
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