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How do I purchase a virtual Visa gift card?

A virtual Visa card is a credit card for online usage only. Since it does not exist in physical form, you cannot use it to purchase items from a shop.

Characteristics

A virtual Visa card has all the characteristics of an actual debit or credit card, including the 16-digit card number, an expiry date and the last three numbers on the back of the card known as the CVC number.

Application

You can apply for a virtual Visa card via websites such as trucards.com and entropay.com. The application process takes place online; there is no credit check, since you are not borrowing money.

You will need to provide basic information such as your name and address. The most important thing when applying for a virtual Visa card is that you have your own debit or credit card, because that is how you will load funds onto your virtual card.

Advantages

A virtual Visa card protects against fraud, since you will only load the amount of money that you need onto the card. You will never go over your card limit, unlike a regular debit or credit card.

Disadvantages

With a virtual Visa card, you cannot withdraw money from a cash machine, and you can't set up banking transactions such as writing cheques or setting up standing orders or direct debits.

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About the Author

Abigail Damoah has been writing since 1996, with her work focusing on academic writings about human resource management. She also writes for eHow. Damoah has a Bachelor of Arts in sociology and criminology from Manchester Metropolitan University and a Master of Business Administration in human resource management from American Intercontinental University in Florida.