Companies that Offer Virtual Credit Cards

Companies Offering Virtual Credit Cards

• American Express - Provides virtual card numbers for online shopping through services like Click to Pay.
• Capital One - Offers virtual card numbers through their Eno digital assistant for added security during online transactions.
• Citi - Known for providing virtual account numbers for certain credit cards, enhancing security for online purchases.
• Discover - While not offering "true" virtual credit cards, they participate in Click to Pay, providing similar security features.
• Chase - Chase Freedom Unlimited, among other cards, can be used with Paze for virtual credit card number usage.
• Revolut - Offers virtual Visa cards with features like disposable virtual cards for online transactions.
• Wise - Known for virtual debit cards, but also provides virtual credit card solutions for secure online spending.
• Privacy - Specializes in privacy-focused virtual cards, allowing users to generate unique card numbers for each transaction.
• Payhawk - Provides virtual Visa cards for businesses to manage expenses more securely.
• Airbase - Offers virtual credit cards as part of their spend management platform for businesses.
• Brex - Known for business cards but also offers virtual cards with spending controls.
• Ramp - Provides virtual credit cards for businesses with the ability to set spending limits and restrictions.
• Tipalti - Offers virtual cards integrated with their financial automation platform, aimed at businesses.
• Moss - Focuses on corporate expense management with virtual and physical card options.
• Intergiro - Provides virtual Mastercard options for businesses, offering real-time transaction control.

What is "Click to Pay"?

Click to Pay allows consumers to pay online with just a few clicks without needing to enter their credit or debit card details each time. Once enrolled, users can access their stored payment methods quickly during checkout at participating merchants. The system uses tokenization, where your actual credit card details are replaced with a token or a unique identifier for transactions, enhancing security by not sharing your card information with merchants. It also often integrates with 3D Secure for additional verification. It's supported by major payment networks like: Visa, Mastercard, American Express and Discover.

• Enrollment: You typically register once through your bank's app, the card issuer's website, or directly during checkout at an online store.
• Checkout: At participating online merchants, look for the Click to Pay icon or option. You'll be recognized by your email or phone number, and after a quick verification (like an OTP - one-time password), you select your stored payment method to complete the purchase.