Every online checkout is a small act of trust — you're handing your card number to a site you may only ever visit once. A Virtual Card gives you a dedicated card number for online purchases and subscriptions, funded from your wallet, so your primary bank details are never exposed to every site you shop on.

The real advantage isn't just privacy, it's control: a virtual card can be frozen or deleted instantly, which changes the entire calculus of subscriptions, one-off purchases, and sites you're not fully sure about. This guide covers how it works, what protects you by default, and the one scam pattern that targets virtual cards specifically.

How Virtual Card Works

Generate a virtual card directly in the app, funded from your wallet balance. Use the card number, expiry, and CVV shown in the app at checkout on any online store, just as you would a physical card. You can create multiple cards — useful for separating subscriptions from one-off purchases — and freeze or delete any of them instantly, at any time.

Built-In Protections You're Already Using

A Virtual Card is designed to limit exposure by default, not just react to problems after they happen:

• Your real bank details stay hidden — merchants only ever see the virtual card number, never your underlying wallet or bank information.
• Instant freeze or delete — you can disable a compromised or unwanted card immediately, without contacting a bank or waiting for a replacement.
• Wallet-funded spending limits — a virtual card can only spend what's funded to it, capping your exposure on any single card.
• In-app transaction monitoring — every charge is visible in real time, the same way you'd review a physical card statement.

Best Practices

• Use a separate virtual card for subscriptions you might want to cancel — you can freeze or close the card instead of chasing a merchant to cancel a subscription.
• Only enter your virtual card details on secure (https) checkout pages.
• Monitor your virtual card transactions in-app the same way you would a physical card statement.
• Freeze or delete a virtual card immediately if you suspect it's been compromised.

Red Flags to Watch For

• Any site or person asking for your virtual card's CVV and expiry over chat, email, or phone outside of an actual checkout process.

Need Help?

If you suspect your virtual card details have been compromised, freeze or delete the card in the app immediately, then contact support with the transaction details of anything unfamiliar. Because you can act on a virtual card yourself, in-app, this is often the fastest fraud response available on the entire platform.

Frequently Asked Questions

Can I have more than one virtual card?

Yes. Many people use separate cards for subscriptions versus one-off purchases, which makes it easy to cancel a subscription cleanly by freezing or deleting its dedicated card instead of contacting the merchant.

What should I do if I no longer recognize a charge on my virtual card?

Freeze or delete the card in the app right away to stop any further charges, then contact support with the transaction details. Acting on the card yourself first is the quickest way to limit any further exposure.

Is it safe to give someone my virtual card's CVV over the phone?

No. A CVV should only ever be entered directly into an actual checkout page. Anyone asking for it over chat, email, or phone outside of a real checkout process is attempting fraud — freeze the card if you've already shared it.

Shop everywhere, expose nothing. A Virtual Card puts control back in your hands — one number for every site, and one tap to shut it down the moment something feels off.