Danas je online kupovina postala modna moda s svjetskim brendovima, a bezbrojni proizvodi dostupni su na vašem pragu bez potrebe da se iselite iz svog doma. Od robne robe, poput elektroničkih uređaja, do jela poput voća i povrća, sve je dostupno samo jednim klikom miša.

Međutim, uz svu tu udobnost postoji i briga za sigurnost. Kupovina putem interneta^(Online) također je privukla pozornost kibernetičkih kriminalaca što je ponekad čini nesigurnom. Potreba za unosom podataka o kreditnoj kartici uključujući CVV broj stavlja cjelokupni korisnikov kreditni limit na kocku online kriminalaca.

Ono što kreditne kartice čini ranjivijim su njihovi pozamašni kreditni limiti, koje cyber kriminalci traže. Jednostavno curenje ili hakiranje, a vaš kredit je u opasnosti od zlouporabe na mreži. Dakle, koje je rješenje? Postoji li način na koji još uvijek možete koristiti kreditne kartice^{(Credit Cards)} i osjećati se dovoljno sigurno?

Odgovor bi mogao biti virtualne kreditne kartice.^{(Virtual Credit Cards.)}

Što je virtualna kreditna kartica

Virtualna kreditna kartica^{(Virtual Credit Card)} je unaprijed plaćena kreditna kartica bez kreditnog ograničenja, što znači da ne postoji mogućnost kompromitiranja kredita. Virtualne kreditne kartice^{(Virtual Credit Card)} idealne su za online korištenje^{(online usage)} jer čak i ako su podaci o kartici ugroženi, haker ih ne može koristiti izvan učitanog stanja i sadašnjih ograničenja dnevne upotrebe.

Kao što ime govori, virtualne^(Virtual) kreditne kartice su virtualne prirode i ne izdaju se fizički. Uopće nemaju plastičnu prisutnost. Oni postoje samo virtualno i na taj način pružaju zaštitu. Virtualne kreditne^{(Virtual Credit)} kartice su u osnovi nasumično generirani brojevi dizajnirani da zaštite podatke o vašim tradicionalnim kreditnim karticama prilikom kupovine putem interneta.

Čak i ako se broj hakira, haker ga ne može koristiti izvan učitanog stanja i trenutnih ograničenja dnevne upotrebe. To je online usluga koja je povezana s Netbanking računom korisnika. Samo se trebate prijaviti na online portal i stvoriti virtualnu kreditnu karticu^{(Virtual Credit Card)} za traženi iznos kad god trebate platiti online. To je proširena verzija vaše kreditne kartice koja vam nudi dodatni sloj zaštite. Virtualna kreditna kartica^{(Virtual Credit Card)} najsigurnija je i najbolja opcija za većinu potreba.

Iako se zove virtualna kreditna kartica^{(Virtual Credit Card)} , zapravo je prepaid kartica. To je debitna kartica u pravom smislu, jer na njoj nema kreditne mogućnosti. Možete odrediti svakodnevne kreditne limite ovih virtualnih kartica. Svi relevantni detalji ove kartice kao što su broj kartice, "važi od datuma", datum isteka i CVV broj nalaze se na internetu.

Kako virtualna kreditna kartica^{(Credit Card)} jamči sigurnost

Jedna od najatraktivnijih karakteristika ove kartice i razlog njenog postojanja je protuprovalno jamstvo. Virtualni broj kreditne kartice je virtualno prisutan i može se koristiti samo jednom. Ova značajka sama po sebi uvelike smanjuje svaku sumnju u krađu.

Pročitajte^(Read) : Kako se zaštititi od prijevare s Carding kreditnom karticom^{(Carding credit card fraud)} ?

Kako dobiti virtualnu kreditnu karticu

Virtualna kreditna kartica jednostavna je za korištenje kao i normalna kreditna kartica. Vrlo je jednostavno izvršiti online kupnju pomoću ovih virtualnih kartica.

1. Prvo što trebate učiniti je kreirati karticu tražene denominacije. Za to dostavite podatke svoje kartice banci od koje uzimate neto bankovnu olakšicu.
2. Tada će vam banka dati 16-znamenkasti broj virtualne kreditne kartice.
3. Unesite ovaj broj kreditne kartice koji je generiran. Napunite karticu s onoliko novca koliko vam je potrebno za uplatu i potreban iznos bit će pripisan s vašeg računa. To je to!

Ne morate ispunjavati više pojedinosti kao što su CVV broj ili datum isteka ili bilo što drugo, jer to morate učiniti s trajnom ili fizičkom kreditnom karticom. Zato su danas virtualne kreditne kartice preferirane za sigurnu internetsku kupovinu.

Valjanost^(Validity)

Općenito, valjanost ovih virtualnih kreditnih kartica je samo 24 do 48 sati. Iako neke banke kao što je ICICI dopuštaju duži rok valjanosti. Nakon toga se samouništava. Kupcima je dopušteno izvršiti samo jedno plaćanje putem ovih kreditnih kartica.

Korištenje^(Usage)

Kupci imaju fleksibilnost da koriste cijeli iznos ili njegov dio. Preostali saldo će se vratiti na bankovni račun kupca. Za korištenje se ne naplaćuje dodatna usluga.

Pouzdani^{(Trustworthy)} pružatelji usluga virtualnih kreditnih kartica

Postoje mnoge banke koje pružaju usluge virtualne ^(Services)kreditne kartice^{(Virtual Credit Card)} . Bank of America i Citi glavni su igrači koji nude i kreditne^{(Credit Cards)} i virtualne kreditne kartice^{(Virtual Credit Cards)} .

^{(Bank of America: )}Bank of America: Banka nudi ovu uslugu korisnicima internetskog bankarstva kao ShopSafe uslugu samo na Visa i Mastercard računima. Prema zadanim postavkama generira virtualni broj kreditne kartice za online kupovinu. Korisnici imaju fleksibilnost odabira valjanosti brojeva koja može biti maksimalno do godinu dana, a mogu je čak koristiti i za mjesečna ponavljajuća plaćanja. Oni također pružaju privremeni datum isteka za 16-znamenkasti broj računa i sigurnosni kod za veću sigurnost.

Citi : Nudi ovu uslugu korisnicima Citi Thank You and Preferred Card . Mala je razlika u načinu na koji Bank of America i Citi rade na virtualnim kreditnim^{(Virtual Credit)} karticama. Broj virtualne kreditne kartice generiran u Citiju^(Citi) može se koristiti samo za jednog trgovca. Dakle, ako haker čak i ukrade, ne može se koristiti negdje drugdje. Članovi kartica mogu zatražiti od Citija^(Citi) da im pruži dodatne brojeve za druge trgovce. Morate provjeriti ispunjava li vaš račun uvjete za virtualnu kreditnu karticu.

EntroPay : Trenutačno je najpopularniji u virtualnim karticama za međunarodno plaćanje unatoč tome što je novi igrač. Prilično je lako dobiti gotovu karticu i to za samo pet minuta. Posjetite web stranicu i kliknite na Započnite sada. Registrirali ste se tako što ste unijeli tražene podatke i kliknite na “ Kreiraj^(Create) svoju Entropay karticu”. Odaberite valutu s kojom ćete imati posla i unesite iznos dopune između 5 i 300 USD. Za ovu dopunu morate platiti visoku proviziju za punjenje od 4,95% od ukupnog iznosa nadopune. I vaša je kartica spremna za samo pet minuta! Štoviše, prihvaća većinu kartica diljem svijeta. Ima tri razine – Starter , osnovnu i Premier s ograničenjima iznosa dopune.

Iako Entropay ima visoku proviziju; to je do sada najpouzdaniji i dobar pružatelj usluga za virtualne kreditne kartice.

Konačno: ^{(Final: )}Final je bio startup kreditne kartice koji je sada preuzeo Goldman Sachs . Final se koristi za ponudu jednokratnih brojeva kreditnih kartica. U jednoj od usluga može se koristiti samo jednom, a prema zadanim postavkama bit će odbačen. Dok se druga kartica može koristiti s jednim trgovcem više puta.

Final više ne prima nove prijave. Postojeći vlasnici kartica mogu saznati više o svojoj kartici prijavom na svoj račun na GetFinal.com ili slanjem e -pošte [email protected]

Pročitajte^(Read) : Kako generirati virtualni telefonski broj?^{(How to generate a Virtual Phone Number?)}

Izdavatelji sa sjedištem u Indiji^{(India-based issuers)}

SBI VCC: Kako biste izdali SBI virtualnu kreditnu karticu^{(SBI Virtual Credit Card)} , prijavite se na svoj NetBanking račun. Besplatne virtualne kartice će se generirati u rasponu od INR 100 do INR 50.000 . Kartica vrijedi do jedne uspješne transakcije ili do 48 sati.

Može se koristiti samo u kućne svrhe. Banka šalje SMS na vaš registrirani broj mobitela radi odobrenja transakcije. Za izradu virtualne SBI kartice idite na njezinu stranicu i prijavite^(Log) se . Kliknite^(Click) karticu e-kartica i odaberite Virtualna kreditna^{(Virtual Credit)} kartica SBI -a . Pažljivo pročitajte njihove uvjete i odredbe i kliknite na Slažem se, a zatim na Generiraj. Provjerite podatke i OTP će biti poslan na vaš broj mobilnog telefona. Kartica će se generirati nakon uspješne provjere.

HDFC NetSafe VCC: generira broj virtualne kartice koristeći vašu postojeću kreditnu/debitnu karticu. Njegova valjanost je samo 48 sati. Za debitne kartice može se generirati 5 HDFC VCC dnevno. ^{(HDFC VCC)}Može se koristiti na web-stranici trgovca koja prihvaća Mastercard/ Visa Card , pružajući vam sigurno online plaćanje.

Kotak Mahindra Bank Netcard: Radi na međunarodnom i domaćem tržištu. Vrijedi samo 48 sati ili do 1. ^transakcije . Možete iskoristiti njegovu mogućnost ako imate tekući ili štedni račun u Kotak Mahindra banci i ako ste registrirani kao korisnik net bankinga. Evo jednostavnih koraka za izradu Netcarda^(Netcard) :

Idite na njegovu stranicu i prijavite se na svoj NetBanking račun. Kliknite^(Click) karticu [email protected] . OTP će biti poslan na vaš registrirani broj mobilnog telefona . Unesite^(Enter) iznos virtualne kartice i kliknite U redu. Vaša kartica je stvorena!

Lime novčanici Axis banke:^{(Lime Wallets of Axis Bank: )} Korisnicima Mastercarda^(Mastercard) nudi se besplatna virtualna kreditna kartica ili kartica za kupovinu. Može se koristiti samo u kućne svrhe. Također imaju planove za povezivanje fizičke kartice s novčanikom kako bi olakšali kupovinu u offline trgovinama. Da biste ga počeli koristiti, preuzmite aplikaciju Lime Wallet^{(Wallet App)} . Unesite^(Enter) svoje podatke za otvaranje računa. Zatim stvorite VCC .

Pockets Wallet of ICICI: Može ga koristiti bilo tko čak i ako nije klijent ICICI -ja . Također ima opciju povezivanja fizičke kartice s novčanikom što olakšava izvanmrežno plaćanje iako za to morate platiti godišnju naknadu. Također s vremena na vrijeme imaju ponude za kupovinu posebno za korisnike. Također olakšava prijenos sredstava na druge bankovne račune koristeći NEFT . Ima vijesti da će ICICI uskoro imati mogućnost u svojim poslovnicama ICICI -a, za klijente da polažu gotovinu kako bi je ubacili na virtualnu visa karticu.

Ako želite stvoriti online VCC od ICICI jednostavno preuzmite aplikaciju džepni novčanik i kliknite na prijavu. Unesite detalje i kliknite na prijavu i gotovo. Vaša kartica je stvorena.

Odabir virtualne kreditne kartice preporuča se ako želite zaštititi ograničenje svoje kreditne kartice od zloupotrebe od strane hakera. Međutim, čak i virtualne kreditne kartice riskiraju da budu izmanipulirane; iako će šteta biti minimalna. Stoga prije kupnje trebate razmotriti sve rizike.^{(Selecting a Virtual Credit Card is recommended if you want to protect your Credit Card limit being abused by hackers. However, even Virtual Credit Cards run the risk of being manipulated; though the damage will be minimum. Hence, you should consider all risks before buying.)}

What are Virtual Credit Cards and how & where do you get them?

Today, оnline shopping has become a fad with global brands and innumerable products are available at your doorstep without the need to move out of your home. Right from commodity goods, like electronіcs appliances, to eatables like fruits and vegetablеs, everything is available with just a click of your mouse.

However, with all this comfort there lies a concern for security too. Online shopping has also attracted the attention of Cybercriminals making it unsecured at times. The need to enter the credit card details including the CVV number puts the user’s entire credit limit at the stake of online criminals.

What makes credit cards more vulnerable is their hefty credit limits, which cybercriminals are looking for. A simple leak or hack, and your credit is at the risk of being misused online. So, what is the solution? Is there a way that you can still use Credit Cards and feel secure enough?

The answer could be, Virtual Credit Cards.

What is a Virtual Credit Card

A Virtual Credit Card is a prepaid credit card with no credit limit, meaning that there is no possibility of any credit being compromised. Virtual Credit Cards are ideal for online usage as even if the card information is compromised, the hacker cannot use them beyond the loaded balance and the present daily usage limits.

As the name suggests, Virtual credit cards are virtual in nature and are not issued physically. They do not have any plastic presence at all. They exist only virtually, and that is how they provide protection. Virtual Credit Cards are basically randomly generated numbers designed to protect your traditional credit card information when shopping online.

Even if the number gets hacked, the hacker cannot use it beyond the loaded balance and the present daily usage limits. It is an online service that is linked to the Netbanking account of the user. You just need to log in to the online portal and create a Virtual Credit Card for the required amount whenever you need to pay online. It is an extended version of your credit card that offers you an extra layer of protection. Virtual Credit Card is the safest and best option for most needs.

Although it is called a Virtual Credit Card, it is in effect a prepaid card. It is a debit card in the true sense, as there is no credit facility on it. You can decide the everyday credit limits of these virtual cards. All the relevant details of this card like the card number, “valid from date”, the expiry date, and the CVV number are present online.

How Virtual Credit Card guarantees security

One of the most attractive features of this card and the reason for its existence is its anti-theft guarantee. A virtual credit card number is present virtually, and it can be used only once. This feature itself reduces any doubt for theft largely.

Read: How do you protect yourself against Carding credit card fraud?

How to get a Virtual Credit Card

A virtual credit card is easy to use like a normal credit card. It is quite simple to make an online purchase using these virtual cards.

1. The first thing you need to do is create a card of the required denomination. For this, provide your card details to the bank from whom you are taking the net banking facility.
2. Then the bank will provide you with a 16 digit virtual credit card number.
3. Enter this credit card number that is generated. Top-up the card with as much money as you need to make a payment for and the requisite amount will be credited from your account. That’s it!

You do not have to fill in more details like CVV number or expiry date or anything else, as you are required to do with a permanent or physical credit card. That is why Virtual Credit Cards are more preferred nowadays for secured online shopping.

Validity

Generally, the validity of these virtual credit cards is just 24 to 48 hours. Though some banks like ICICI allows a longer expiry date. After that, it self-destroys itself. Customers are allowed to make only one payment through these credit cards.

Usage

Customers have the flexibility to use either the entire amount or a part of it. The leftover balance will be credited back to the customer’s bank account. No additional service charge is applicable for using it.

Trustworthy virtual credit card services providers

There are many banks that provide Virtual Credit Card Services. Bank of America and Citi are the major players who offer both Credit Cards as well as Virtual Credit Cards.

Bank of America: The Bank offers this service to the users of online banking as a ShopSafe service on Visa and Mastercard accounts only. By default, it generates a virtual credit card number for online shopping. Customers have the flexibility to select the validity of numbers that can be up to one year max and can even use it for monthly recurring payments. They also provide a temporary expiry date for the 16 digit account number and security code for more security.

Citi: It offers this service to the users of Citi Thank You and Preferred Card. There is little difference in the way Bank of America and Citi works towards Virtual Credit cards. The virtual credit card number generated in Citi can be used for a single merchant only. Thus, if a hacker even steals it cannot be used elsewhere. Cardmembers can request Citi to provide them additional numbers for other merchants. You need to check if your account is eligible for a virtual credit card.

EntroPay: It is the most popular at present in virtual cards for international payment in spite of being a new player. It is quite easy to get a ready card that too just in five minutes. Visit the website and click on get started now. Registered yourself by entering the required details and click on “Create your Entropay card”. Select the currency you would be dealing with and enter the top-up amount between $5 to $300. On this top-up, you have to pay a high loading commission of $4.95% of the total top-up amount. And your card is ready in just five minutes! Moreover, it accepts most cards all over the world. It has three levels – Starter, basic, and Premier with limitations of the recharged amount.

Though Entropay has a high commission; it is so far the most trusted and good service provider for virtual credit cards.

Final: Final was the credit card startup that is now acquired by Goldman Sachs. Final used to offer disposable credit card numbers. In one of the services, the could be used once only, and it would be disposed of by default. While another card could be utilized with a single merchant multiple times.

Final is no longer taking new applications. The existing cardholders can know more about their card by signing in their account on GetFinal.com, or by emailing [email protected]

Read: How to generate a Virtual Phone Number?

India-based issuers

SBI VCC: In order to issue SBI Virtual Credit Card, log into your NetBanking account. Free virtual cards will be generated with a range from INR 100 to INR 50,000. The card is valid until one successful transaction or up to 48 hours.

It can be used for domestic purpose only. The bank sends a text to your registered mobile number for approval of the transaction. To create a virtual SBI card go to its site and Log In. Click on e-card tab and choose Virtual Credit card of SBI. Read their terms and conditions thoroughly and click on agree and then on generate. Verify the details and OTP will be sent to your mobile number. The card will be generated on successful verification.

HDFC NetSafe VCC: It generates the virtual card number using your existing credit/debit card. Its validity is just for 48 hours. For debit cards, 5 HDFC VCC can be generated daily. It can be used on merchant site that accepts Mastercard/ Visa Card, providing you secure online payment.

Kotak Mahindra Bank Netcard: It works internationally and domestically. It is valid for 48 hours only or until 1^st transaction. You can avail its facility if you have current or savings account in Kotak Mahindra bank and if you are registered as a net banking user. Here are simple steps to create Netcard:

Go to its site and log in to your NetBanking account. Click on [email protected] tab. The OTP will be sent to your registered mobile number. Enter the amount of the virtual card and click OK. Your card is created!

Lime Wallets of Axis Bank: Users of Mastercard are offered a free virtual credit card or a shopping card. It can be used for domestic purpose only. They also have plans for connecting a physical card to the wallet to facilitate shopping at offline stores. To start using it, download a lime Wallet App. Enter your details to open an account. Then create a VCC.

Pockets Wallet of ICICI: It can be used by anyone even if they are not customers of ICICI. It also has an option to link the physical card to the wallet facilitating offline payment though you need to pay an annual fee for that. They also have shopping offers especially for users from time to time. It also facilitates to transfer the fund to other bank accounts using NEFT. There is news that ICICI will soon have a facility in its ICICI branches, for customers to deposit the cash to load it into the virtual visa card.

If you wish to create online VCC of ICICI simply download the pocket wallet app and click on sign up. Enter the details and click on sign up and done. Your card is created.

Selecting a Virtual Credit Card is recommended if you want to protect your Credit Card limit being abused by hackers. However, even Virtual Credit Cards run the risk of being manipulated; though the damage will be minimum. Hence, you should consider all risks before buying.

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