What is a VIRTUAL CREDIT CARD? (how to create & use them safely)
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- Опубликовано: 7 июл 2024
- We give out our credit card information over the phone, over email, and to basically anybody who asks. So why not just publish the number, expiration date and security pin on RUclips? When it comes to online privacy, this is a valid question to ask.
To understand more about virtual credit cards and how they can potentially protect your financial transactions, read more on All Things Secured or give Privacy.com a try for yourself.
▶ Read more: www.allthingssecured.com/tips...
▶ Try Privacy Virtual Credit Cards: privacy.com/
(this is not sponsored and I receive no financial compensation if you start using Privacy)
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Video Timestamps
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0:00 - This is my (virtual) credit card
2:30 - How Virtual Credit Cards Work (my dashboard)
3:34 - How to Setup Virtual Credit Cards
4:14 - Virtual Credit Card Features
5:25 - 1Password & Privacy Integration
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Virtual credit cards are a great credit card hack to control your financial transactions while masking the true identity of your card information. In several ways, this resource definitely helps to limit the risk of your credit card being hacked.
In this video, which in some ways is a Privacy.com review, I'll explain exactly how Privacy.com virtual credit cards work and how to setup one up for free.
#privacy #virtualcreditcard #onlineprivacy 
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What do you think about virtual credit cards? A genius idea or a privacy disaster waiting to happen? Comment below...especially if you know of a company like Privacy that serves markets outside the US.
▶ Try Privacy Virtual Credit Cards: privacy.com/
▶ Try 1Password: www.allthingssecured.com/try/1password-creditcard
Josh do you live in a different country ? And no I'm not probing for OSINT lol, but I do enjoy your videos and wish I knew more about your work background or experience. (From one IT guy to another). Great video as always .
@@foxxrider250r I'm a US citizen living outside the US :) Honestly, I don't have much of a work background in this field - and I hope I'm never misrepresenting myself on this channel. I'm just a guy who has lived in a surveillance state before and has had my accounts hacked a few times, so I've done everything I can to figure out how to add the best privacy and security to my online life as possible.
@@AllThingsSecured So US is a surveillance state?
@@AllThingsSecured Hey I totally understand. I've been a subject of some ID theft as well, but I just thought I would ask. You definitely have a good understanding so I thought maybe you worked in the field. Keep up the good quality videos. The one with your kids was hilarious
Both. Great idea but concerned about refund scammers finding a way to add it to their bag of tricks and so far I don't see how they can do that without leaving a trail. Dunno if I'd like to see this available in my country. (still going through your catalog - don't be surprised if I have an opinion on everything. Good for "the algorithm", yes?")
Hey Josh...another great consumer hack to beat the big, power hungry, consumer info gussling conglomerates. Love it. Need something like this in the UK for sure. Keep up the great work😊👍
Thanks so much, Jasvinder! 🙏
Hmmm use revolut mate. Its UK based too
This is so unbelievably well explained! Thanks a man, subscribed :)
Awesome, thank you!
Thanks for another rabbit hole of security to look into. Can't wait to set this up.
Ha! I know what you mean, Bret. Seems like there’s always something new to try 😂
I am extremely paranoid about websites having my credit card info so this is so helpful, although I still get anxiety everytime I buy something. It’s nice to know that my card isn’t stuck there 🥰🥰
Agreed.
I get that but my fear is when websites get hacked and now they can potentially gain bank account info which you just gave this site.
@@kevink1214 that's correct. It's worse to have your bank info out there than your credit card info. At least your credit card is insured and the Bank is liable for any loss on the card...
then whos card do you want to steel?@@marccarriere5874
This is exactly what I needed thank you so much great vid👍🏻
That's crazy bro I'm just now got one and I don't know how to use it very enlightening thank you for filling me in man I had no idea I could do what you said I can do that's insane.
So amazing to know how virtual credit card works. Thanks a lot for sharing!
this video got me fired up. What an impressively thorough and well-articulated description!
Thanks.
Thank You! This was exactly what I needed while I wait a few days for my bank to mail me a new card. Happy New Year!
Glad it helped!
got taken for $99 this week by NORD. Card cancelled, waiting for a new one... really going to research the virtual card area.Thanks for the video.
4:40 this guy sums up my whole week
I’ve been using the Privacy app for a few years and it’s awesome.
I read through their Privacy documents but I did not see how long they keep a record of my transactions on file. They would know where I use it and how much I spend. That would be a handy data point for marketers. I'd like it more if I knew after 30-60-90 days for example any transactions are purged for privacy, not retained forever.
Thanks for the review. While having 1password and privacy be integrated with one another is pretty handy the last thing anyone should do is put all of their passwords and their banking information in one basket. Doing so basically defeats the point of even trying to have digital hygiene.
This is a brilliant idea.
Ty man you just made my day see my mom won’t let me use a credit card to buy games because I need to link on and I can use one that doesn’t work so in a way your helping me
I've been using privacy for a while now but my main concern about this is that if they get hacked and if they DO actually log your card credentials, you're basically screwed.
Screwed is a bit of an overstatement. There’s always risk with everything, but this service helps mitigate the risk of spreading your credit card info and address all over the internet.
@@AllThingsSecured I’m probably just paranoid due to all the hacks lately
@@nathawayhoa1971 everything is hackable , even your cc OTP, I mean 3DS.
You cannot even imagine what can be hacked.
Don't ask how I know
Set up a second checking account with your bank and upload that account to Privacy if you don’t want your main account connected. Then transfer funds to your virtual account when you’re ready to make a purchase.
@@nathawayhoa1971 I feel you, the fear is strong
From Canada- I switched from credit to my EQ Bank loadable card. Gives 0.5% cashback and 2.50% on the balance, high interest savings account 2.50% a month, has good GICs and high interest TFSA 3%, 0 fees, reimburse ATM fees in Canada.. i recommend this bank to Canadians.
What happens if the company you paid issues you a refund and you already closed you vcc?
Another great video. Just to let you know Revolut in the Uk do the virtual cards. They are brilliant.
Can you make a video explaining the new update required by Privacy.
Just signed up. This seems like a great service. Thanks for the tip. Oh, and I also liked and subscribed.
Thanks!
Please cvc?
Did they ask for the last 4 digits of your ssn? Im not sure if its because I clicked business and not personal but I'm not really open to giving my social out. I would like to avoid that if possible.
I have an amex card that I want to make purchases but are only accepting visa/mastercard. Is there a virtual card that will turn my amex into a visa or mastercard?
WOW thank you so much. Very useful
My pleasure, Vivek!
This is outstanding! Thank you for highlighting this!
Glad you enjoyed it, Nathan!
I really wish we had access to a service with these features in the UK. It's such a bad idea to type your card details into any website and yet we're all guilty of it. It's become so commonplace now with most transactions only going through major websites and payment providers but this is so much more secure.
In the UK? You already do. Revolut. You have both the options of using the standard perpetual card, as well as creating single-use disposable cards.
Have you tried using a VPN to sign up?
Might not be compatible with the sight, but it’s worth a shot.
@@t.j.schwehr4924 have you used?
Doesn't Visa work everywhere? I actually used a credit card in Asia and closed it the next month. I was wondering how does the name work? Do you need to use your real name?
@@jaywalkra Revoluti s good but with Privacy you can put in another address or even psudonym. Which Revolut won't let you do.
This is interesting but today I realized that I can keep my credit and debit cards locked all the time and just unlock when I want to use them. It's instant through the card's phone app. Recurring charges still go through. I still get my cashback. Perfect for cards you hardly ever use but I locked all of mine.
Also, make accounts on transunion, equifax, and experian and freeze your credit. Nobody can get credit in your name with the credit freezes in place. Get on the sites and temporarily lift the freezes the day before applying for credit.
Between the credit freeze preventing new credit in my name and locking the credit/ debit cards preventing most fraud on them, and of course you can dispute charges on credit cards of someone overcharges... I'm feeling like my money and credit are pretty safe.
But those virtual cards are cool, I bookmarked the page.
Ok so I've been using Privacy for a year and love it. The only issue I run into is I have to update my account information because I will get a decline saying my funding account isn't linked. I go in update the information and resubmit and it works fine. Now I have a new question. Is there a physical card out there that will change numbers each time I use the card? I use Samsung pay but there are still places where I have to use a physical card. As always thanks for all your hard work and informative videos!
Great idea but this is the equivalent to a debit card. They do not yet accept credit cards as a payment source. For this reason I see limited use. Maybe to pay Amazon, utilities. Anything larger there still needs to be a way to mask the number while still using a credit card. I see this as a limited fix.
Awesome videos people, please keep up the awesome work people. You're welcome people!
do i able to use outside US ? Facebook have paid me some amount and sent the money as virtual credit card.. however i live in Malaysia,what should i do to get to used it ??
Oh, I also found there are other similar services by many of the major credit card companies or banks. Wellsfargo, Mastercard, Citi, Capital One, American Express, Chase, Visa, etc... All have virtual card services.
Very true, although in my experience they’re pretty worthless. The virtual card from my bank doesn’t allow me to set spending limits, pause the card or easily create a new one.
Oh I didn't know that! I was hoping to find a credit card option for this and am glad to have seen your comment! Thanks.
Capital one allows you to lock the card or delete it and set up a new one. Also the virtual card to only used at the website it was created before.
Such a nice video man👌👏🙌. Can you use a virtual credit/debit card to withdraw funds you earn from a website?
Will you see what companies you purchased from in your bank account or does it come through as "Privacy"?
Josh, I just discovered that in Europe Revolut clients have access to a virtual credit card similar to the services you show here. Might be interesting to explore in a video ;)
For double protection, I wonder if I can use the virtual card number that the card provider gives them enter it on privacy 🤔
This is so true he is right
For On-Demand cards, you could just PAUSE them until you need to use them, then you will not worry about unauthorized expenses. Or Even more so, you could just find out when Automatic payments typically go through and PAUSE until the day before. Sure it's more work, but its an extra layer of safety.
Even with a cancelled card and a pause, monthly subscriptions will still charge your bank account. Frustrating as hell and quite frankly bullshit if you ask me
@@brandonb5818 What? How can they still charge your account if you pause the card? To my understanding this is literally one of the primary the purposes of virtual cards...
@@brandonb5818 that's correct any subscriptions go thru to a new credit card number! EXCEPT so far as of 12/25/23 USAA I can freeze my credit card (not debit) and NOTHING GOES THU! .... only drawback? its for Veterans and family members... wah wah.. LOL
How do they make money? An important question to ask before dealing with any business that seems to good to be true. I really don't know but I need to find out before moving forward. I also wish you included this in your video.
Credit cards are easy - they make money off of the card swipe, just like any other payment processor.
I have it. Works great!
Ty. I just had fraud from shopping on Etsy. They tried using 400 to purchase airplane tickets, but my bank declined because the person put the wrong expiration date which caused a decline. Thank God and also, because I got notification immediately I was able to freeze anything going in or taking out then call my bank and get new cards. Here I am waiting a week so far and still have not received them yet.
How this even was possible??! Etsy sellers can not see Your card details!!!
In Brazil we have an actual Visa virtual credit card generated by the bank app. It's like a token. Unique # and CVV that lasts 72hs for a single purchase. And yes, I get all the benefits from my regular Visa credit card. I don't believe banks in USA don't offer that service!
It's starting to become more common, but it's taking a while to catch on.
@@AllThingsSecured In South africa we've had them since 2018 😮
@KgothatsoNthite Capitec, Nedbank, Standard bank and Tyme Bank not sure about others you can find it on your cellphone banking remote app, or ask for assistance in you local branch, it's like haven't Teo different cards from the same bank one physical and one digital
Really interesting... What happens if you end up getting a refund for something and u already closed the single use card?? Where will your refund go?
Good question, I would also like to know.
I think , if the account is closed, the bank will reject the refund. Once they receive the refund back from the bank, the Comptroller's Office will issue a paper check and mail it to you.
Is this work in papau new Guinea
Refund should work exactly as they are supposed to. FYI, for a merchant to issue a refund they don't need the card number, virtual or otherwise.
It goes back to your virtual debit card as long as you still have a dollar in there so it doesn’t deactivate the card
Something of note, not all banks are supported using your debit card, so you'll be required to enter your checking account number and I don't know about you but I'm not comfortable giving my checking account number to just anyone.
Interesting note. Thanks for sharing.
I'm from Spain EU and this would be really useful sadly it's the US only I hope they expand to other countries in the world too bc I can't find a service that does the same in the EU sadly or that is trustworthy enough
I hope a similar service opens in the EU as well!
Revolut virruql cards
Friend, these virtual credit cards, are they used to verify paypal? or do you have any other page that generates cards just to verify paypal? Thank you, I would appreciate your response.
I tried em ,his telling the truth😅
Other than being able to use the restrictions, is this much different than using PayPal for online? I have it tied to an account and credit card that I rarely use and keep the balance low on so if something comes out I see it right away and I can contact them... knock on wood I have never needed to challenge any fraudulent transactions but it does have that layer between my personal info.
Yea, PayPal, Apple Pay and other such services offer similar benefits, but few are as widely accepted as credit cards.
If you are tying the VC to an account, you lose chargeback right .. is that correct?
I've been looking for a service like this. I buy from sketchy websites looking for good deals. I've had my card info stolen 4 times.
I was going to make an account but then it told me my last digits of ssn weren’t enough. So it’s asking me for my entire SSN.
Do you still think it's safe to connect my bank account to privacy? I would love to try it. It's a great idea.
Thanks for the info
My pleasure!
Can you use these credit card on Amazon apple etc without putting your personal information
sounds like what I am looking for, I perfer to use cash but I was looking on how to do online.
does this work on commerce sites that only accept 3d cards?
Do you still recommend this for credit cards? I want to be able to send someone a card to buy me something or buy things online (I don't trust anyone these days)
thx for helping me!!!!!!
Hello Sir, I hope you answer me that is what if u apply for remote job and they ask for ur card. Will Virtual Credit Card still works? Since i may have some doubt about company being scam. Or what are other ways to protect myself while giving something virtual card info? thx
So if we travel to Europe we just use this funded through our debit account?
Shopping, restaurants, etc.
Love this
and no credit cards are allowed to be linked as a funding source?
Is it possible to change the country the card is from and give it a different billing address
It is great but it requires a ssn what about us teens that are sitting around 16 years old needing one for a paypal or reselling transactions
Great video thank u.
Glad you enjoyed it!
Does anyone know one of this services or an alternative service works in Brazil by now?
Can we use it in phone for apple pay or samsung pay?
Can I use a generated card for PSN subscription? Is it legal?
Standard bank in south africa has a Similar feature
So Standard Bank offers virtual cards?
cancelling subscriptions after trial expired is painful 😖
I was excited about this option until I tried it and realized it wanted to pull my credit and said I needed to apply for a "charge card" before I could move forward. :(
What happens if you buy something and buy then you want to return something like a shoes that doesn’t fit how you would though is the money going back to the vcc or your debit card/bank acc
It gets returned through your vcc (even if that card has been closed) and automatically returned to you funding source.
perhaps mention the fact you will have to give your ssn some people don't want to give it out (i can change my bank number but not my ssn)
This is genius.
I agree
Can you do a tutorial on how to change name/address per single transaction? I don't see it on the app
can i use this to order off site that only accept Canadian cards
Not available in Canada. Any recomendations?
This is only for the UN, is there another service like this that offers it's services in all of europe???
This is basically like paypal only the business doesn’t need to pay for the paypal portal link system
I am so surprised as Virtual Card are very common here in South Africa. All banks provide this service, I have them too and use it for online purchase for same security reason as you 😀😀
Great! This type of virtual card where you can control spending limits is very new in the US.
which south africa are you talking about boss ? ive never heard of such
@@takuzim1 if you dont know, then i cannot do anything for you 😂
Why I can't use it in other parts of the world... why is it limit to America it's visa Mastercard same as anybody, surely that's against free trade with banking what reason do they give they won't accept anybody else outside of the US?
how much do they take in transaction
First, they don’t take anything from me on the transaction. I’m assuming they make money from a percentage of the credit card fees for the merchant.
Second, it’s not about Visa/MasterCard. It’s about the funding source and the Know Your Customer (KYC) compliance for Privacy - that’s why it’s US-only.
is it possible to make one without a credit card would be helpfull.
Revolut for EU countries
But I don’t know if you can set a limit
Thanks for sharing an EU option!
It's worth noting that's 8 €/mo if you want that feature, though.
I'm from Brazil. I'm waiting a long time to find a virtual credit card for brazilians, because if i buy in United States, brazilians Credid Cards take 6 % of my money. Hope soon to find a VCC like this for non residents too.
Have you considered crypto options?
How would you get a refund into a (now disposed) virtual credit card?
Great question.
Refunds can still be processed on a closed card, and Privacy can still put it back on your funding source.
Then the supplier refund on this virtual card. These cards exist in South Africa too via the bank and I use it especially for on line shopping. I credit the amount needed on the virtual card like that i avoid any problem and i am safe
Anything like this in Canada?
Can these be used to track telemarketers or robo callers? Give them your CC info then you have a paper trail of who tried to charge you? If so, how do you keep a 0 balance to make sure they're declined?
You can set a limit per transaction or total and set it to 0$
Great video Josh! I have been trying to find a service like this in the Philippines but I can't find one unfortunately. I have known this website since 2016 and it's already 2021 and I still can't use it. It needs US address and US phone number for verification as far as I can remember.
Yea, unfortunately they are US-residents only. I hope something pops up for the Philippines soon!
"THEN YOU CREATE THE COMPANY THAT CREATS VIRTUAL CARDS!"
Mans really got my hopes up😭
Are you located in another country?
Interesting idea, but if it is free then what are they doing with your data? Banking information? Purchase History?
Your Visa and Mastercard is free, yet we use them without issue. These virtual cards have the same business model.
Is it normal for them to ask you to upload your driving license front and back and upload pictures of your face. Before they let you use their service
The pay in account to a virtual credit card must be linked somehow in the world wide web??
so may be set up a separate bank account i only pay cash into over the counter/self serve atm for a small amount of $
If any hacking traces me from virtual card back to bank account they get bugger all
just wondering
as all of this is in the cloud and its open to hacking
nice video and thanks!
if it was available in Australia id give it a go
can i make transactions to private accounts with these cards, please respond
I heard u mention in the video that u have to have money on your card to make a purchase with my vcc, so what if I order something on Amazon using the privacy card, and my funding source dosent have the amount I needed for the Amazon order at that time, will Amazon refund my order?
In that case, the payment will fail and the order won’t go through.
Hello! Sir please provide review on Wallester. Thank you
Can I use one Virtual Credit Card
For multiple subscriptions?
is there another alternative virtual card platform that i can use my credit card as my funding source instead of debit/checking?
I doubt it. These kinds of services don’t allow for credit cards.
What a great idea, just what I need, I live in Canada and really need a Virtual US credit card to buy from us sellers who haven't caught up with the times. Can you recommend one?
Try Revolut.