ViA virtual card is a digital version of a physical payment card, designed for secure online and mobile transactions

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**Virtual Card Overview:**  

A virtual card is a digital version of a physical payment card, designed for secure online and mobile transactions. Here's a detailed breakdown:

1. **Key Features:**  

   - **Randomized Details:** Unique card number, CVV, and expiration date (not tied to your physical card).  

   - **Custom Controls:** Set spending limits, expiration dates, or restrict usage to specific merchants.  

   - **Single/Multi-Use:** Some are disposable (one-time use), others reusable with adjustable parameters.  

2. **Security Benefits:**  

   - **Fraud Prevention:** Reduces risk of stolen card details since virtual numbers can’t be physically skimmed.  

   - **Subscription Control:** Use merchant-locked cards for free trials to avoid unexpected charges.  

   - **Breach Protection:** If a virtual card is compromised, your primary account remains safe.  

3. **Common Uses:**  

   - Online shopping, recurring bills (e.g., Netflix), travel bookings, and in-store payments via mobile wallets (Apple Pay, Google Pay).  

   - Businesses often use them to manage employee expenses with preset limits.  

4. **Providers:**  

   - **Banks:** Revolut, Chime, Capital One, and traditional banks (via apps).  

   - **Fintech Platforms:** PayPal, Privacy.com, Wise.  

5. **Limitations:**  

   - **Acceptance Issues:** Some merchants (e.g., hotels, rental services) may reject virtual cards for holds/authorizations.  

   - **Fees:** Vary by provider (e.g., Privacy.com charges for premium features).  

   - **Regional Restrictions:** May not work globally or support all currencies.  

6. **Setup Steps:**  

   - Generate via your bank/fintech app → Add to digital wallet or enter details online.  

   - Fund via linked bank account, credit card, or prepaid balance.  

7. **Types:**  

   - **Single-Use:** Automatically expires after one transaction.  

   - **Multi-Use:** Reusable with spending/merchant limits.  

   - **Prepaid vs. Linked:** Some draw from a balance, others directly from your account.  

8. **Privacy:**  

   - Enhances anonymity for online purchases but check provider policies on data tracking.  

**Pros vs. Cons:**  

- ✅ **Pros:** Enhanced security, budgeting control, easy cancellation.  

- ❌ **Cons:** Limited merchant acceptance, potential fees, no physical backup.  

**Example Use Case:**  

Use a single-use virtual card with a $1 limit for a free trial to prevent auto-renewal charges.  

**Final Tip:** Always verify provider terms, especially for international use or refund policies, as virtual cards may complicate returns.