Virtual Payment Cards

There has been an increase in interest in ways to transact more securely in light of recent events and data breaches. Virtual payment cards are one way to spend more securely and privately online.


Virtual cards allow you to minimize the amount of personally identifiable information (PII) you share with places you buy at. Traditionally, virtual cards provided by banks have been difficult and clunky to use, new providers of virtual cards make the process very simple and easy to use, and as a result, we believe virtual cards can be a valuable tool in protecting your privacy and security without compromising your convenience and ease of use.

What is a virtual payment card?

A virtual payment card, sometimes called a temporary card number or pseudo card number, is a credit or debit card number can be created through a website or mobile app and does not come with a physical card. Virtual payment cards can be utilized for most online purchases. Oftentimes, you can set maximum spend or charge limit on the virtual card to prevent yourself from being overcharged. Some virtual cards will also lock to a merchant to prevent the card from being used elsewhere if the merchant is breached. Lastly, you can usually also close virtual cards with just a few clicks online.

What is PayPal Verification 2020

PayPal verification is the process of providing information about yourself to confirm your identity. After you are verified, you will be able to use PayPal services fully. In addition, there will not be a spending or receiving limits on your account. You also can’t withdraw funds to a bank account or receive payments through APIs. Moreover, it lets other users know that the account is verified, which means it is secure.You can verify your PayPal account by linking a bank account, debit card, or credit card.

PVACard™ for PayPal Verification

PVACard™ for PayPal verification is popular in US, Canada, Australia, Germany, South Africa, Nigeria, UK, India and Bangladesh. There is no need to stay in a country where you need PayPal, or to have bank accounts there. You can use PVACard™ for Mastercard and Visa card for PayPal verification. In addition to helping you with PayPal verification, PVACard™ allows you to raise your spending limits on PayPal.

More FAQs

How do virtual payment cards work?

Virtual cards act like a layer of protection between your funding source and the merchant. They pass any authorized and completed transactions directly on to your funding source (including refunds). These cards can be a buffer against cases when merchants you shop at get breached, merchant overcharges, or grey market subscription scams. They are great to use at popular websites where you have recurring relationships, so you don’t have to change the number if another merchant gets breached or smaller one-off merchants, so you don’t have to worry about fraud if they get breached.

How can you get virtual cards online?

You may wonder how to get virtual cards from a company like PVA Wholesale. The entire process is handled through the internet. This means you don't have to fill out lengthy paper documents or go to a physical location in person. In addition, no credit check is required for PVA Wholesale accounts.

What kind of safety measures does a virtual card provider take?

Safety and security are very important as a virtual card provider (it’s the reason you sign up for the service in the first place). In order to issue a virtual payment card, we undergo rigorous internal and third party audits. In addition, many virtual card providers are held to the same rigorous PCI-DSS (Payment Card Industry Data Security Standard) requirements as your bank or credit union.

How much do virtual cards cost and how do virtual card companies make money?

Some virtual card providers charge fees for every card you create or a monthly fee for access to your account. Other virtual card providers may also charge fees on purchases made with the cards. Our virtual cards are completely free to use when you use a bank account as a funding source. We do not charge any fees to you. We only make money off interchange (the fee that the merchant pays for accepting a debit or credit card), and we will never sell your personal data.

What type of information do I need to generate virtual cards with PVA Wholesale?

PVA Wholesale is available online to legal residents of the United States at this time. You can apply for an account online through our website in as little as 3 minutes by providing some basic personal information (name, date of birth, phone number, valid email address, current contact information, US bank account for funding transactions). In most cases we can provide an instant decision about your application 24 hours a day, seven days a week. Unfortunately we cannot support international bank accounts or non-US users at this time.